CMS Price Transparency Data

Office visit, established patient (30-39 min)

Facility: Northwestern Lake Forest Hospital

Billing Code: 99214 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99214
Insurance Median: $155
Cash Discount Price: $281
vs. Medicare Baseline: 1.14x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (30-39 min) at Northwestern Lake Forest Hospital is $155. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $281. Compared to the federal Medicare reimbursement reference rate of $135.6, this hospital’s rate is 1.14x the Medicare baseline. Located in 1000 N Westmoreland Road, Lake Forest, IL.

Cash / Self-Pay

$281

Average discount available for prompt cash payment at this facility.

Insurance Median

$155

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: $281 (207%)

Insurance Median: $155 (114%)

Cash: $281 (207% of Medicare)

Ins. Median: $155 (114% 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
Aetna	$39 - $107	29%
Cigna	$49 - $277	36%
Blue Cross Blue Shield	$50 - $569	37%
UnitedHealthcare	$111 - $569	82%
Healthlink [125]	$118 - $284	87%
Health'S Finest Network [126]	$150 - $512	111%
The Alliance [1703]	$151 - $365	111%
Beechstreet [176]	$188 - $455	139%
Multiplan/Phcs [142]	$188 - $569	139%
First Health Plan [6034]	$193 - $467	142%

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 $281.
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 Northwestern Lake Forest 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.