CMS Price Transparency Data

X-ray, hand

Facility: Winter Haven Hospital

Billing Code: 73130 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 73130
Insurance Median: $633
Cash Discount Price: $684
vs. Medicare Baseline: 7.12x Medicare

The contracted insurance negotiated median rate for a X-ray, hand at Winter Haven Hospital is $633. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $684. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 7.12x the Medicare baseline. Located in 200 Ave F Ne, Winter Haven, FL.

Cash / Self-Pay

$684

Average discount available for prompt cash payment at this facility.

Insurance Median

$633

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$88.91

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $88.91 (100%)

Cash / Self-Pay: $684 (769%)

Insurance Median: $633 (712%)

Cash: $684 (769% of Medicare)

Ins. Median: $633 (712% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $88.91 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 712% of the Medicare baseline (a markup of 612%). 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
Clear Health Alliance	$36	40%
UnitedHealthcare	$36 - $1,231	40%
Aetna	$37 - $1,115	42%
Freedom Health	$37	42%
Humana	$37 - $110	42%
Molina Healthcare	$37	42%
Simply Healthcare	$37 - $246	42%
Sunshine Health	$37	42%
Florida Community Care	$39	44%
Cigna	$56 - $1,190	63%
Baycareplus	$88	99%
Blue Cross Blue Shield	$88 - $788	99%
Careplus	$93	105%
Solis Health	$97	109%
Freedom	$100	112%
Optimum	$100	112%
Health First	$102	115%
Wellcare	$124	139%
Molina	$164 - $808	184%
Ambetter / Centene	$199 - $1,368	224%
Ultimate Health Plan	$274 - $410	308%
Avmed	$283 - $670	318%
Florida Hospital	$420 - $629	472%
Evolutions	$456 - $1,272	513%
Multiplan	$730 - $1,094	821%
First Health	$775 - $1,163	872%
United Behavioral Health	$912 - $1,368	1026%

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 $684.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 73130.

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 73130.
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.