CMS Price Transparency Data

New patient office visit (30-44 min)

Facility: The Orthopaedic Hospital of Lutheran Health Networ

Billing Code: 99203 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99203
Insurance Median: $77
Cash Discount Price: $41
vs. Medicare Baseline: 0.65x Medicare

The contracted insurance negotiated median rate for a New patient office visit (30-44 min) at The Orthopaedic Hospital of Lutheran Health Networ is $77. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $41. Compared to the federal Medicare reimbursement reference rate of $117.57, this hospital’s rate is 0.65x the Medicare baseline. Located in 7952 W Jefferson Blvd, Ft Wayne, IN.

Cash / Self-Pay

$41

Average discount available for prompt cash payment at this facility.

Insurance Median

$77

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$117.57

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $117.57 (100%)

Cash / Self-Pay: $41 (35%)

Insurance Median: $77 (65%)

Cash: $41 (35% of Medicare)

Ins. Median: $77 (65% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $117.57 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
Physicians Health Plan	$35 - $62	30%
Amish Aid	$40 - $43	34%
Self Pay	$40 - $43	34%
Lutheran Preferred	$43 - $95	37%
Php Freedom Network	$46 - $50	39%
Cigna	$52 - $159	44%
Aetna	$58 - $77	49%
Three Rivers Preferred	$59 - $72	50%
Sagamore	$71 - $86	60%
Encore Ppo	$74 - $80	63%
Bccp	$102	87%
Multiplan	$102 - $124	87%
One Call Work Comp	$105	89%
Prime Health Services	$111 - $119	94%
First Health	$114 - $122	97%
Encore	$118 - $127	100%

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 $41.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 99203.

Insurance In-Network Protection Plan

Contact your insurance company to confirm The Orthopaedic Hospital of Lutheran Health Networ is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 99203.
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.