CMS Price Transparency Data

Office visit, established patient (30-39 min)

Facility: Winnmed

Billing Code: 99214 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99214
Insurance Median: $88
Cash Discount Price: $132
vs. Medicare Baseline: 0.65x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (30-39 min) at Winnmed is $88. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $132. Compared to the federal Medicare reimbursement reference rate of $135.6, this hospital’s rate is 0.65x the Medicare baseline. Located in 901 Montgomery Street, Decorah, IA.

Cash / Self-Pay

$132

Average discount available for prompt cash payment at this facility.

Insurance Median

$88

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: $132 (97%)

Insurance Median: $88 (65%)

Cash: $132 (97% of Medicare)

Ins. Median: $88 (65% 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	$31 - $84	23%
Aetna	$49 - $90	36%
Health Partners - All Plans	$49 - $93	36%
Medica Mayo Clinic	$49 - $88	36%
Medica Ifb	$50 - $88	37%
Medica Mayo Health Plan - All Other Plans	$51 - $88	38%
Preferred One - All Plans	$51 - $267	38%
Blue Cross Blue Shield	$135 - $161	100%

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 $132.
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 Winnmed 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.