CMS Price Transparency Data

Office visit, established patient (30-39 min)

Facility: Northwestern Medicine Delnor Community Hospital

Billing Code: 99214 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99214
Insurance Median: $188
Cash Discount Price: $281
vs. Medicare Baseline: 1.39x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (30-39 min) at Northwestern Medicine Delnor Community Hospital is $188. 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 1.39x the Medicare baseline. Located in 300 Randall Rd, Geneva, IL.

Cash / Self-Pay

$281

Average discount available for prompt cash payment at this facility.

Insurance Median

$188

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: $188 (139%)

Cash: $281 (207% of Medicare)

Ins. Median: $188 (139% 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
Blue Cross Blue Shield	$35 - $397	26%
Aetna	$38 - $398	28%
Cigna	$51 - $455	38%
UnitedHealthcare	$111 - $569	82%
Carelon Behavioral Health [159]	$118 - $284	87%
Health'S Finest Network [126]	$118 - $484	87%
First Health Plan [6034]	$146 - $393	108%
Healthlink [125]	$148 - $358	109%
The Alliance [1703]	$151 - $365	111%
Multiplan/Phcs [142]	$176 - $569	130%
Compsych [112]	$188 - $455	139%
Beechstreet [176]	$212 - $512	156%

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 Medicine Delnor Community 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.