Electrocardiogram (EKG, tracing only)
Facility: Mcpherson Hospital
Billing Code: 93005 (CPT)
- CPT Billing Code: 93005
- Insurance Median: $210
- Cash Discount Price: $210
- vs. Medicare Baseline: 3.48x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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 348% of the Medicare baseline (a markup of 248%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Tricare | $5 - $48 | 8% |
| Ambetter / Centene | $6 - $62 | 10% |
| UnitedHealthcare | $6 - $403 | 10% |
| Wellcare Mcr Adv - All Plans | $6 - $54 | 10% |
| Healthy Blue Mcr Adv | $6 - $54 | 10% |
| Humana | $6 - $54 | 10% |
| Aetna | $6 - $403 | 10% |
| Va Ccn - All Plans | $6 - $54 | 10% |
| Blue Cross Blue Shield | $6 - $54 | 10% |
| Multiplan - All Plans | $8 - $363 | 13% |
| Medicaid / KanCare | $15 - $403 | 25% |
| Health Blue Mcaid - All Other Plans | $15 - $411 | 25% |
| Wppa - All Plans | $57 - $282 | 95% |
| Central Plains - All Plans | $62 - $302 | 103% |
| Medical Associates - All Plans | $62 - $302 | 103% |
| Christian Health Aid - All Plans | $66 - $322 | 110% |
| Cigna | $78 - $383 | 129% |
| Health Partners - All Plans | $78 - $383 | 129% |
| First Health - All Plans | $78 - $383 | 129% |
Consumer Guidance & Cost Commentary
For the electrocardiogram (EKG, tracing only) service at McPherson Hospital in McPherson, KS, the facility's cash price of $210.00 is notably lower than the median negotiated rate of $221.00 paid by insurance plans. While the hospital's negotiated rates range from $5 to $403 depending on the payer, the cash price offers a more predictable cost for patients without insurance or those with high-deductible plans. It is important to note that commercial insurance rates often include administrative overhead and contract markups, meaning the cash price can sometimes be the most economical option if your insurance allowed amount exceeds the facility's cash rate. Patients should verify their specific plan's deductible status before scheduling, as paying out-of-pocket may result in immediate savings compared to waiting for insurance reimbursement.
To ensure you are not overcharged, it is recommended to request a full itemized bill before finalizing payment, as summary bills often obscure individual line items and potential errors. If you receive a balance bill for an out-of-network service, remember that the No Surprises Act generally protects you from paying the difference between the facility's chargemaster and your insurance allowed amount for emergency care or non-emergency services at in-network facilities. Additionally, ask the billing department about prompt-pay discounts, which can reduce your total bill by 20% to 50% if paid in full upfront, bypassing the costly claims processing cycle that insurance companies utilize. Always dispute any unexpected charges in writing to protect your rights and avoid unnecessary debt.