CMS Price Transparency Data

Electrocardiogram (EKG, tracing only)

Facility: Franciscan Health Michigan City

Billing Code: 93005 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 93005
Insurance Median: $146
Cash Discount Price: $53
vs. Medicare Baseline: 2.42x Medicare

The contracted insurance negotiated median rate for a Electrocardiogram (EKG, tracing only) at Franciscan Health Michigan City is $146. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $53. Compared to the federal Medicare reimbursement reference rate of $60.27, this hospital’s rate is 2.42x the Medicare baseline. Located in 3500 Franciscan Way, Michigan City, IN.

Cash / Self-Pay

$53

Average discount available for prompt cash payment at this facility.

Insurance Median

$146

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$60.27

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $60.27 (100%)

Cash / Self-Pay: $53 (88%)

Insurance Median: $146 (242%)

Cash: $53 (88% of Medicare)

Ins. Median: $146 (242% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $60.27 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 242% of the Medicare baseline (a markup of 142%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$6 - $373	10%
Managed Care [2000]	$6 - $447	10%
Blue Cross Blue Shield	$8 - $248	13%
Commercial [2001]	$9 - $497	15%
United Medical Resources [1158]	$9 - $298	15%
United Medical Resources [1301]	$9 - $331	15%
UnitedHealthcare	$9 - $331	15%
Cigna	$10 - $348	17%
Great West Insurance [1055]	$10 - $300	17%
Medicare (plans)	$62	103%
Workers Comp [1172]	$125	207%
Mdwise [1175]	$136	226%
Medicaid / KanCare	$136 - $164	226%
Managed Health Services [1302]	$141	234%
Unicare [1150]	$215	357%

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 $53.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 93005.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Franciscan Health Michigan City is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 93005.
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.