CMS Price Transparency Data

Breast lump removal

Facility: St Lukes Regional Medical Center

Billing Code: 19120 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 19120
Insurance Median: $1,189
Cash Discount Price: $1,841
vs. Medicare Baseline: 0.30x Medicare

The contracted insurance negotiated median rate for a Breast lump removal at St Lukes Regional Medical Center is $1,189. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,841. Compared to the federal Medicare reimbursement reference rate of $4,000.24, this hospital’s rate is 0.30x the Medicare baseline. Located in 2720 Stone Park Boulevard, Sioux City, IA.

Cash / Self-Pay

$1,841

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,189

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$4,000.24

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $4,000.24 (100%)

Cash / Self-Pay: $1,841 (46%)

Insurance Median: $1,189 (30%)

Cash: $1,841 (46% of Medicare)

Ins. Median: $1,189 (30% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $4,000.24 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
Aetna	$372 - $9,362	9%
Blue Cross Blue Shield	$379 - $3,806	9%
Molina	$379 - $3,806	9%
Amerivantage	$391 - $3,918	10%
Humana	$391 - $3,918	10%
UnitedHealthcare	$391 - $10,221	10%
Nebraska Total Care	$399 - $798	10%
Avera Health Plan	$558 - $2,247	14%
Health Partners Open Network	$754 - $5,717	19%
Wellmark Uph Self-Funded	$756	19%
Cigna	$989	25%
Amerigroup	$3,391	85%
Iowa Total Care	$3,391	85%

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 $1,841.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 19120.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Lukes Regional Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 19120.
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.