X-ray, hand
Facility: Saint Luke'S South Hospital
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $471
- Cash Discount Price: $785
- vs. Medicare Baseline: 5.30x 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.
Elevated Commercial Rate Alert (Value-Gap)
The negotiated rate at this facility is 530% of the Medicare baseline (a markup of 430%). 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 |
|---|---|---|
| Aetna | $29 - $1,492 | 33% |
| Humana | $30 - $49 | 34% |
| Blue Cross Blue Shield | $32 - $1,180 | 36% |
| Transplants-Case Rates [5750] | $41 - $1,571 | 46% |
| UnitedHealthcare | $42 - $296 | 47% |
| Medicaid / KanCare | $49 - $113 | 55% |
| Cigna | $88 - $1,192 | 99% |
| Commercial-Contracted [8000] | $251 - $1,271 | 282% |
| First Health [5512] | $621 - $931 | 698% |
Consumer Guidance & Cost Commentary
For the X-ray, hand procedure (CPT 73130) at Saint Luke's South Hospital in Overland Park, KS, the cash median price is $785.00, which is lower than the facility's gross charge of $1,309.00. While the hospital's negotiated rates with insurance payers range from $29 to $1,571, patients with high-deductible plans may find paying out-of-pocket cheaper if their insurance allowed amount exceeds the cash price. It is important to note that commercial negotiated rates often include administrative overhead and can be significantly higher than the cash rate; for instance, the median negotiated rate of $471.00 is still below the gross charge but may vary widely depending on the specific payer contract.
To ensure you are not overcharged, always request a full itemized bill before paying, as summary bills can 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 provider's full rate and your insurance allowed amount for emergency care or non-emergency services at in-network facilities. Additionally, you should inquire about prompt-pay discounts, which can reduce your final bill by 20% to 50% if paid in full upfront, bypassing the costly insurance claims process. Finally, compare your facility's pricing against the Medicare benchmark of $88.91; since commercial rates often average 200% to 300% of Medicare, using this federal rate as a baseline helps identify if the facility's pricing markup is reasonable.