CMS Price Transparency Data

New patient office visit (30-44 min)

Facility: Winter Haven Hospital

Billing Code: 99203 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99203
Insurance Median: $108
Cash Discount Price: $118
vs. Medicare Baseline: 0.92x Medicare

The contracted insurance negotiated median rate for a New patient office visit (30-44 min) at Winter Haven Hospital is $108. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $118. Compared to the federal Medicare reimbursement reference rate of $117.57, this hospital’s rate is 0.92x the Medicare baseline. Located in 200 Ave F Ne, Winter Haven, FL.

Cash / Self-Pay

$118

Average discount available for prompt cash payment at this facility.

Insurance Median

$108

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$117.57

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $117.57 (100%)

Cash / Self-Pay: $118 (100%)

Insurance Median: $108 (92%)

Cash: $118 (100% of Medicare)

Ins. Median: $108 (92% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $117.57 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
Molina	$35 - $116	30%
Simply Healthcare	$35 - $91	30%
Ultimate Health Plan	$59	50%
Avmed	$61 - $97	52%
Blue Cross Blue Shield	$63 - $114	54%
Humana	$78 - $90	66%
Clear Health Alliance	$87	74%
UnitedHealthcare	$88 - $177	75%
Aetna	$91 - $161	77%
Florida Hospital	$91	77%
Freedom Health	$91	77%
Molina Healthcare	$91	77%
Sunshine Health	$91	77%
Florida Community Care	$95	81%
Evolutions	$98 - $183	83%
Cigna	$104 - $171	88%
Multiplan	$158	134%
First Health	$167	142%
Ambetter / Centene	$197	168%
United Behavioral Health	$197	168%

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 $118.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 99203.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Winter Haven Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 99203.
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.