X-ray, hand
Facility: Stevens County Hospital
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $200
- Cash Discount Price: $230
- vs. Medicare Baseline: 2.25x 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 225% of the Medicare baseline (a markup of 125%). 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 |
|---|---|---|
| Humana | $85 | 96% |
| Aetna | $88 - $230 | 99% |
| Blue Cross Blue Shield | $130 - $137 | 146% |
| First Health - All Plans | $207 | 233% |
| Wppa - All Plans | $218 | 245% |
| Medicaid / KanCare | $230 | 259% |
Consumer Guidance & Cost Commentary
For this X-ray of the hand at Stevens County Hospital in Hugoton, Kansas, the cash price is $230, which matches the facility's gross charge and the median amount paid by Medicaid/KanCare. While the facility is a Critical Access Hospital owned by the local government, the negotiated rates for commercial payers like Aetna and Blue Cross Blue Shield range from $85 to $230, with a median negotiated amount of $200. It is important to note that for patients with high-deductible plans, paying the full cash price of $230 upfront may be more cost-effective than relying on insurance, as the insurer's allowed amount could exceed the cash rate. Additionally, patients should explicitly ask the hospital about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront fee reductions can significantly lower the final bill.
When evaluating the cost of this service, it is crucial to compare rates against the Medicare benchmark rather than the hospital's full list price. The Medicare amount for this procedure is $88.91, serving as the objective baseline for fair pricing. Although the data does not provide specific state or county average figures for comparison, the facility's cash rate of $230 represents a significant markup over the federal government's calculated cost. To ensure you are not overcharged, you should request a detailed, itemized billing audit if you receive a summary bill, as over 80% of hospital bills contain errors such as double-billing or unbundled codes. If you encounter a balance bill from an out-of-network provider, remember that the No Surprises Act protects you from paying the difference for emergency care or non-emergency services at in-network