CMS Price Transparency Data

Inguinal hernia repair

Facility: Lower Keys Medical Center

Billing Code: 49505 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$4,606

about 1.3× the $3,658 Medicare rate · typically $3,159–$6,788

modeled estimate · not a bill or quote

What this hospital charges insurers

$4,288

About the fair price

about $318 under the fair price · 1.2× Medicare

Medicare pays $3,658 Fair price $4,606 This hospital $4,288 Cash price $14,550 Hospital's list price $53,888

How we calculate the fair BaseRate →

How this hospital compares to other FL hospitals

Highest price of the 9 FL hospitals we have prices for — worth calling around.

Cheapest $375 Priciest $4,288

Black dot = this hospital, among the 9 FL hospitals with a price for this procedure. Full list below.

⚠ The cash price looks unusually high next to the insurance price — it may be the full list price, not a real cash discount. Call to confirm the self-pay rate.

A fair price for a Inguinal hernia repair is about $4,606 (about 1.3× the $3,658 Medicare rate). Lower Keys Medical Center charges insurers about $4,288, or about $14,550 in cash — about the fair price. Located in Key West, FL.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

5 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Cigna✓ Humana Kaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$62 - $41,440	2%
Blue Cross Blue Shieldmajor	$3,940 - $63,496	108%
Aetnamajor	$37,614	1028%
Cignamajor	$31,794	869%
Humanamajor	$3,930 - $3,940	107%
Amerigroup	$4,197	115%
AvMed	$45,804	1252%
Molina	$4,312	118%
Simply Healthcare	$3,000 - $4,197	82%
WellCare	$4,197	115%
+ 12 smaller / regional plans	$3,816 - $53,888

Government programs also on file: Medicare, Medicaid, Military & VA.

Excludes 5 rental-network / third-party entries (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 14,550), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the CPT code on your bill matches exactly: 49505.

Insurance Before you use insurance

Call your insurance company to confirm Lower Keys Medical Center is in-network.
Ask your insurer whether prior approval is required for CPT code 49505.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Lower Keys Medical Center

Compare: Inguinal hernia repair at other FL hospitals

Insurance negotiated median for the same procedure, sorted lowest first.