X-ray, hand
Facility: Phillips County Hospital
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $245
- Cash Discount Price: $231
- vs. Medicare Baseline: 2.76x 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 276% of the Medicare baseline (a markup of 176%). 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 - $220 | 154% |
| UnitedHealthcare | $217 - $271 | 244% |
| Medicaid / KanCare | $271 | 305% |
| Health Partners-All Plans | $271 | 305% |
Consumer Guidance & Cost Commentary
For the X-ray of the hand (CPT 73130) at Phillips County Hospital in Phillipsburg, Kansas, the facility's cash price of $231.00 is notably lower than the median negotiated rate of $245.00 and the highest allowed amount of $271.00 charged by UnitedHealthcare. While the facility is a Critical Access Hospital with government local ownership, patients with high-deductible plans may find the cash price more advantageous if their insurance negotiated rate exceeds this amount. It is important to note that the cash price is also lower than the state average for this service, making it a competitive option for self-pay patients.
To maximize savings, patients should explicitly request a "self-pay" or "prompt-pay" discount before scheduling, as billing systems often default to insurance processing once a card is on file. If you choose to use insurance, be aware that the facility's gross charge of $271.00 is significantly higher than the Medicare benchmark of $88.91, which serves as the objective baseline for fair pricing. While the facility does not currently have a published rating, understanding that commercial rates often include administrative overhead can help clarify why the negotiated amounts differ from the cash price. Always verify your specific plan's allowed amount and consider requesting an itemized bill to ensure no unexpected charges are included.