CMS Price Transparency Data

Office visit, established patient (20-29 min)

Facility: Franciscan Health Lafayette

Billing Code: 99213 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99213
Insurance Median: $224
Cash Discount Price: $91
vs. Medicare Baseline: 2.35x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (20-29 min) at Franciscan Health Lafayette is $224. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $91. Compared to the federal Medicare reimbursement reference rate of $95.19, this hospital’s rate is 2.35x the Medicare baseline. Located in 1701 S Creasy Ln, Lafayette, IN.

Cash / Self-Pay

$91

Average discount available for prompt cash payment at this facility.

Insurance Median

$224

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: $91 (96%)

Insurance Median: $224 (235%)

Cash: $91 (96% of Medicare)

Ins. Median: $224 (235% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 235% of the Medicare baseline (a markup of 135%). 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
Blue Cross Blue Shield	$55 - $110	58%
Medicare (plans)	$55 - $141	58%
Aetna	$96 - $489	101%
Managed Care [2000]	$96 - $622	101%
UnitedHealthcare	$102 - $368	107%
Unicare [1150]	$110	116%
Workers Comp [1172]	$110 - $282	116%
Commercial [2001]	$114 - $691	120%
United Medical Resources [1158]	$114 - $334	120%
United Medical Resources [1301]	$114 - $368	120%
Humana	$152 - $448	160%
Mdwise [1175]	$159	167%
Medicaid / KanCare	$159 - $191	167%
Cigna	$161 - $553	169%
Great West Insurance [1055]	$161 - $475	169%
Managed Health Services [1302]	$164	172%

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 $91.
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 Franciscan Health Lafayette 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.