CMS Price Transparency Data

Office visit, established patient (20-29 min)

Facility: Sterling Regional Medcenter

Billing Code: 99213 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99213
Insurance Median: $280
Cash Discount Price: $321
vs. Medicare Baseline: 2.94x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (20-29 min) at Sterling Regional Medcenter is $280. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $321. Compared to the federal Medicare reimbursement reference rate of $95.19, this hospital’s rate is 2.94x the Medicare baseline. Located in 615 Fairhurst St, Sterling, CO.

Cash / Self-Pay

$321

Average discount available for prompt cash payment at this facility.

Insurance Median

$280

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$95.19

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $95.19 (100%)

Cash / Self-Pay: $321 (337%)

Insurance Median: $280 (294%)

Cash: $321 (337% of Medicare)

Ins. Median: $280 (294% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $95.19 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 294% of the Medicare baseline (a markup of 194%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Aetna	$82 - $518	86%
Banner Health	$91 - $173	96%
Blue Cross Blue Shield	$91 - $452	96%
Healthspring Life & Health Insurance Company, Inc.	$91 - $173	96%
Medica	$91 - $464	96%
Medicare (plans)	$91 - $173	96%
Assist Health Group	$110 - $207	116%
Pinnacol Assurance Workers Comp	$143 - $271	150%
UnitedHealthcare	$171 - $528	180%
Denver Health Medical Plan	$179 - $337	188%
Apostrophe, Inc.	$266 - $501	279%
First Choice Health Network	$266 - $501	279%
First Choice Of The Midwest	$280 - $529	294%
Hue Health, Inc	$280 - $529	294%
Rocky Mountain Health Plans	$280 - $529	294%
Multiplan	$286 - $540	300%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $321.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 99213.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Sterling Regional Medcenter is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 99213.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.