CMS Price Transparency Data

Office visit, established patient (30-39 min)

Facility: Straub Clinic and Hospital

Billing Code: 99214 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99214
Insurance Median: $112
Cash Discount Price: $97
vs. Medicare Baseline: 0.83x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (30-39 min) at Straub Clinic and Hospital is $112. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $97. Compared to the federal Medicare reimbursement reference rate of $135.6, this hospital’s rate is 0.83x the Medicare baseline. Located in 888 S King Street, Honolulu, HI.

Cash / Self-Pay

$97

Average discount available for prompt cash payment at this facility.

Insurance Median

$112

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: $97 (72%)

Insurance Median: $112 (83%)

Cash: $97 (72% of Medicare)

Ins. Median: $112 (83% 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
UnitedHealthcare	$37 - $56	27%
Alohacare	$47	35%
Ohana	$48 - $104	35%
Calvos	$121	89%
Mimoh	$121	89%
Hwmg/Hmaa	$128	94%
Hcha	$129 - $229	95%
Kaiser	$129	95%
Mdx	$129	95%
Multiplan	$129 - $137	95%
Verdegard	$129	95%

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 $97.
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 Straub Clinic and 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.