CMS Price Transparency Data

Office visit, established patient (30-39 min)

Facility: Franciscan Health Michigan City

Billing Code: 99214 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99214
Insurance Median: $223
Cash Discount Price: $74
vs. Medicare Baseline: 1.64x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (30-39 min) at Franciscan Health Michigan City is $223. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $74. Compared to the federal Medicare reimbursement reference rate of $135.6, this hospital’s rate is 1.64x the Medicare baseline. Located in 3500 Franciscan Way, Michigan City, IN.

Cash / Self-Pay

$74

Average discount available for prompt cash payment at this facility.

Insurance Median

$223

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: $74 (55%)

Insurance Median: $223 (164%)

Cash: $74 (55% of Medicare)

Ins. Median: $223 (164% 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	$81 - $214	60%
Medicare (plans)	$81 - $141	60%
Aetna	$114 - $321	84%
Managed Care [2000]	$114 - $385	84%
Mdwise [1175]	$159	117%
Medicaid / KanCare	$159 - $191	117%
Unicare [1150]	$162	119%
Workers Comp [1172]	$162 - $282	119%
Managed Health Services [1302]	$164	121%
Commercial [2001]	$167 - $428	123%
United Medical Resources [1158]	$167 - $256	123%
United Medical Resources [1301]	$167 - $285	123%
UnitedHealthcare	$167 - $285	123%
Cigna	$169 - $300	125%
Great West Insurance [1055]	$169 - $259	125%

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 $74.
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 Franciscan Health Michigan City 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.