CMS Price Transparency Data

Office visit, established patient (20-29 min)

Facility: Winter Haven Hospital

Billing Code: 99213 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99213
Insurance Median: $108
Cash Discount Price: $94
vs. Medicare Baseline: 1.13x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (20-29 min) at Winter Haven Hospital is $108. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $94. Compared to the federal Medicare reimbursement reference rate of $95.19, this hospital’s rate is 1.13x the Medicare baseline. Located in 200 Ave F Ne, Winter Haven, FL.

Cash / Self-Pay

$94

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

$95.19

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $95.19 (100%)

Cash / Self-Pay: $94 (99%)

Insurance Median: $108 (113%)

Cash: $94 (99% of Medicare)

Ins. Median: $108 (113% 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.

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	$28 - $93	29%
Simply Healthcare	$28 - $108	29%
Ultimate Health Plan	$47	49%
Avmed	$49 - $77	51%
Blue Cross Blue Shield	$50 - $90	53%
Humana	$62 - $107	65%
Florida Hospital	$72	76%
Aetna	$73 - $128	77%
Evolutions	$78 - $146	82%
Cigna	$83 - $137	87%
UnitedHealthcare	$84 - $141	88%
Clear Health Alliance	$104	109%
Freedom Health	$108	113%
Molina Healthcare	$108	113%
Sunshine Health	$108	113%
Florida Community Care	$113	119%
Multiplan	$126	132%
First Health	$133	140%
Ambetter / Centene	$157	165%
United Behavioral Health	$157	165%

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 $94.
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 Winter Haven Hospital 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.