X-ray, hand
Facility: Kansas City Orthopaedic Institute
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $82
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 0.92x 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 |
|---|---|---|
| Blue Cross Blue Shield | $28 - $248 | 31% |
| Aetna | $81 | 91% |
| UnitedHealthcare | $81 - $191 | 91% |
| Cigna | $83 - $194 | 93% |
| Medica | $201 | 226% |
Consumer Guidance & Cost Commentary
For this X-ray of the hand at Kansas City Orthopaedic Institute in Leawood, KS, the Medicare benchmark rate is $88.91, which serves as the objective baseline for evaluating pricing fairness. While the facility's median negotiated rate for in-network payers is $82.00, commercial rates vary significantly by insurer, ranging from a low of $28 with Blue Cross Blue Shield to a high of $248 with the same carrier across seven different plans. It is important to note that commercial negotiated rates often exceed the cash price due to administrative overhead and contract structures; therefore, patients with high-deductible plans may find it financially advantageous to pay the cash price directly, provided the facility offers a self-pay or prompt-pay discount.
To ensure you are receiving fair value, always compare your specific insurance allowed amount against the Medicare rate rather than the hospital's inflated chargemaster list. In this case, the Medicare rate of $88.91 reveals that some commercial plans are negotiating rates well above the true cost of care, while others are closer to the benchmark. Before scheduling, verify your deductible status to avoid unexpected out-of-pocket costs, and explicitly request a prompt-pay discount or self-pay classification at registration to bypass insurance billing cycles and secure immediate liquidity benefits. If you receive a bill, always demand a full itemized statement to identify any errors or unbundled codes before making a payment.