X-ray, hand
Facility: Mcpherson Hospital
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $80
- Cash Discount Price: $172
- vs. Medicare Baseline: 0.90x 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 $88.91 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.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| UnitedHealthcare | $7 - $786 | 8% |
| Tricare | $7 - $70 | 8% |
| Aetna | $8 - $786 | 9% |
| Humana | $8 - $80 | 9% |
| Healthy Blue Mcr Adv | $8 - $80 | 9% |
| Blue Cross Blue Shield | $8 - $80 | 9% |
| Wellcare Mcr Adv - All Plans | $8 - $80 | 9% |
| Ambetter / Centene | $8 - $92 | 9% |
| Va Ccn - All Plans | $8 - $80 | 9% |
| Multiplan - All Plans | $10 - $707 | 11% |
| Medicaid / KanCare | $29 - $786 | 33% |
| Health Blue Mcaid - All Other Plans | $30 - $802 | 34% |
| Medical Associates - All Plans | $46 - $590 | 52% |
| Wppa - All Plans | $46 - $550 | 52% |
| Central Plains - All Plans | $46 - $590 | 52% |
| Christian Health Aid - All Plans | $52 - $629 | 58% |
| Health Partners - All Plans | $59 - $747 | 66% |
| Cigna | $59 - $747 | 66% |
| First Health - All Plans | $62 - $747 | 70% |
Consumer Guidance & Cost Commentary
For this X-ray of the hand at McPherson Hospital in Mcpherson, KS, the cash price is $172.00, which is lower than the facility's gross charge of $233.00. While the median amount paid by insurance is $280.00, patients with high-deductible plans may find paying the cash price directly more cost-effective, as the negotiated rates for in-network payers like UnitedHealthcare and Aetna often exceed the cash amount. To maximize savings, patients should explicitly ask the billing department about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront fee reductions can bypass administrative costs and lower the final bill.
The facility's pricing is benchmarked against the Medicare rate of $88.91, which serves as a reliable baseline for evaluating commercial markups. Although the hospital is a voluntary non-profit, the negotiated rates for major payers range widely, with some plans paying as high as $786 while others pay as low as $7. Because the No Surprises Act protects patients from balance billing for emergency care and non-emergency services at in-network facilities, patients should verify their network status and request an itemized bill to ensure no unexpected charges are included. Always review the detailed line items for any unbundled codes or services not rendered before finalizing payment.