X-ray, hand
Facility: Stafford County Hospital
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $229
- Cash Discount Price: $234
- vs. Medicare Baseline: 2.58x 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 258% of the Medicare baseline (a markup of 158%). 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 |
|---|---|---|
| Health Partners-All Plans | $218 - $226 | 245% |
| Humana | $229 - $238 | 258% |
| Medica Mcr- All Plans | $229 - $238 | 258% |
| UnitedHealthcare | $229 - $238 | 258% |
| Va Ccn-All Plans | $229 - $238 | 258% |
Consumer Guidance & Cost Commentary
For this X-ray of the hand at Stafford County Hospital, the cash price is $234.00, which matches the facility's median negotiated rate of $229.00 and the cash median. This rate is significantly higher than the Medicare benchmark of $88.91, reflecting a markup common in commercial billing where administrative costs and contract structures often inflate prices beyond the federal baseline. While the facility is a Critical Access Hospital in Stafford, KS, and is government-owned, patients should note that commercial negotiated rates for in-network plans like Health Partners, Humana, and UnitedHealthcare range from $218 to $238, meaning the cash price is competitive or lower than what many insured patients would ultimately pay after insurance processing.
Because the cash price of $234.00 is lower than the median negotiated amount of $229.00, patients with high-deductible plans may find paying out-of-pocket directly cheaper than relying on insurance, which could result in balance billing if out-of-network services are involved. To ensure you receive the best possible rate, it is advisable to ask the hospital specifically about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront incentives can further reduce the final cost. If you do choose to use insurance, remember that the No Surprises Act protects you from balance billing for emergency care and non-emergency services at in-network facilities, and you should always request a detailed, itemized bill to verify that no unbundled codes or services not rendered have been charged.