CMS Price Transparency Data

Office visit, established patient (30-39 min)

Facility: HCA Florida Highlands Hospital

Billing Code: 99214 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99214
Insurance Median: $229
Cash Discount Price: $1,138
vs. Medicare Baseline: 1.69x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (30-39 min) at HCA Florida Highlands Hospital is $229. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,138. Compared to the federal Medicare reimbursement reference rate of $135.6, this hospital’s rate is 1.69x the Medicare baseline. Located in 3600 S Highlands Ave, Sebring, FL.

Cash / Self-Pay

$1,138

Average discount available for prompt cash payment at this facility.

Insurance Median

$229

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$135.6

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $135.6 (100%)

Cash / Self-Pay: $1,138 (839%)

Insurance Median: $229 (169%)

Cash: $1,138 (839% of Medicare)

Ins. Median: $229 (169% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $135.6 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.

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	$79 - $341	58%
Blue Cross Blue Shield	$83 - $274	61%
Prime Health	$86 - $166	63%
Freedom Health	$98	72%
Molina	$216	159%
Cigna	$299 - $399	221%
Office Of Sheiff Highland Co	$398	294%
Humana	$421 - $455	310%
United Ppo	$501	369%
United	$512	378%

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 $1,138.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 99214.

Insurance In-Network Protection Plan

Contact your insurance company to confirm HCA Florida Highlands Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 99214.
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.