X-ray, hand
Facility: Cloud County Health Center
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $578
- Cash Discount Price: $426
- vs. Medicare Baseline: 6.50x 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 650% of the Medicare baseline (a markup of 550%). 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 | $548 - $566 | 616% |
| Mpi-All Plans | $578 | 650% |
| Health Partners - All Plans | $578 | 650% |
| Pponext-All Plans | $578 | 650% |
Consumer Guidance & Cost Commentary
For this X-ray of the hand at Cloud County Health Center in Concordia, KS, the facility's cash median price is $426.00, which is notably lower than the state average of $578.00. While the facility's negotiated rate with most payers is $578.00, patients with high-deductible plans might find the cash price more advantageous, as it avoids the administrative markup often found in insurance contracts. It is important to note that Medicare sets a benchmark of $88.91 for this service, meaning the cash rate is significantly higher than the federal baseline, though still below the commercial negotiated rates.
Before scheduling, patients should verify if the facility offers a "prompt-pay" discount, which can reduce the final bill by 20% to 50% for upfront payment, effectively bypassing the costs associated with insurance claims processing. Although the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, it is crucial to request a self-pay classification and a waiver of insurance submission before check-in to ensure the cash rate applies. Given that over 80% of hospital bills contain errors, patients should always request a detailed, itemized statement rather than accepting a summary bill, and they should confirm their deductible status to avoid unexpected out-of-pocket expenses.