CMS Price Transparency Data

Office visit, established patient (20-29 min)

Facility: Northwestern Medicine McHenry

Billing Code: 99213 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99213
Insurance Median: $145
Cash Discount Price: $221
vs. Medicare Baseline: 1.52x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (20-29 min) at Northwestern Medicine McHenry is $145. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $221. Compared to the federal Medicare reimbursement reference rate of $95.19, this hospital’s rate is 1.52x the Medicare baseline. Located in 4201 Medical Center Drive, McHenry, IL.

Cash / Self-Pay

$221

Average discount available for prompt cash payment at this facility.

Insurance Median

$145

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: $221 (232%)

Insurance Median: $145 (152%)

Cash: $221 (232% of Medicare)

Ins. Median: $145 (152% 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
Aetna	$42 - $218	44%
Cigna	$43 - $312	45%
Mercy Care Health Plans [5013]	$66 - $126	69%
Blue Cross Blue Shield	$73 - $416	77%
UnitedHealthcare	$102 - $219	107%
Healthlink [125]	$108 - $208	113%
Choicecare [177]	$115 - $221	121%
Multiplan/Phcs [142]	$136 - $416	143%
The Alliance [1703]	$139 - $267	146%
Health'S Finest Network [126]	$151 - $304	159%
Beechstreet [176]	$173 - $333	182%

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 $221.
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 Northwestern Medicine McHenry 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.