X-ray, hand
Facility: Logan County Hospital
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $275
- Cash Discount Price: $80
- vs. Medicare Baseline: 3.09x 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 309% of the Medicare baseline (a markup of 209%). 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 |
|---|---|---|
| Blue Cross Blue Shield | $137 | 154% |
| Humana | $170 | 191% |
| Health Partners - All Plans | $380 | 427% |
| Medicaid / KanCare | $400 | 450% |
Consumer Guidance & Cost Commentary
For this X-ray of the hand at Logan County Hospital in Oakley, Kansas, the facility's cash price is $80.00, which is significantly lower than the state average of $275.00 and the county average of $80.00. While the hospital is a Critical Access Hospital owned by the local government, patients with high-deductible plans may find paying the cash price directly more beneficial than using insurance, as the negotiated rates for in-network payers like Blue Cross Blue Shield and Humana are $137 and $170 respectively—both higher than the cash rate. This pricing structure highlights that commercial insurance contracts often include administrative overhead and risk premiums that can exceed the direct cost of the service, making self-pay a potentially smarter financial choice if the patient's insurance deductible has not yet been met.
To ensure you are not overcharged, it is crucial to request an itemized billing audit before finalizing payment, as over 80% of hospital bills contain errors such as unbundled codes or charges for services not rendered. If you receive a balance bill for the difference between the provider's full charge and your insurance allowed amount, you may be protected under the No Surprises Act, which bans balance billing for emergency care and non-emergency services from out-of-network providers at in-network facilities. Additionally, since the facility offers a cash price of $80.00, you should explicitly ask at registration for a "prompt-pay" discount or self-pay rate, as paying upfront can often reduce the total cost further by bypassing the costly claims processing cycle that inflates insurance negotiated rates.