CMS Price Transparency Data

Office visit, established patient (20-29 min)

Facility: Gundersen Palmer Lutheran Hospital and Clinics

Billing Code: 99213 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99213
Insurance Median: $82
Cash Discount Price: $80
vs. Medicare Baseline: 0.86x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (20-29 min) at Gundersen Palmer Lutheran Hospital and Clinics is $82. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $80. Compared to the federal Medicare reimbursement reference rate of $95.19, this hospital’s rate is 0.86x the Medicare baseline. Located in 112 Jefferson Street, West Union, IA.

Cash / Self-Pay

$80

Average discount available for prompt cash payment at this facility.

Insurance Median

$82

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: $80 (84%)

Insurance Median: $82 (86%)

Cash: $80 (84% of Medicare)

Ins. Median: $82 (86% 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
UnitedHealthcare	$70 - $74	74%
Health Partners	$71 - $125	75%
Wellmark	$72 - $142	76%
Amerigroup	$74 - $142	78%
Humana	$74	78%
Iowa Total Care	$74	78%
Managed Health Service	$74	78%
Ucare	$74 - $114	78%
Quartz	$77	81%
Alliance	$112 - $119	118%
Medical Associates	$114	120%
Aspirus Arise Health	$118	124%
Multiplan/Healtheos	$125 - $132	131%
Coventry Health Care	$135	142%
Midland Choice	$138	145%
Molina Health	$142	149%

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 $80.
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 Gundersen Palmer Lutheran Hospital and Clinics 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.