X-ray, hand
Facility: Lindsborg Community Hospital
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $557
- Cash Discount Price: $426
- vs. Medicare Baseline: 6.26x 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 626% of the Medicare baseline (a markup of 526%). 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 | $135 | 152% |
| Tricare | $286 | 322% |
| Coventry Mcr Adv | $289 | 325% |
| Cigna | $517 | 581% |
| UnitedHealthcare | $548 | 616% |
| Coventry Comm-All Other Plans | $548 | 616% |
| Multiplan-All Plans | $566 | 637% |
| Phcs Preferred-All Plans | $566 | 637% |
| Coventry Wc | $578 | 650% |
| Health Partners -All Plans | $578 | 650% |
| Wppa-All Plans | $578 | 650% |
| Century Health-All Plans | $578 | 650% |
Consumer Guidance & Cost Commentary
For the X-ray of the hand (CPT 73130) at Lindsborg Community Hospital in Lindsborg, KS, the cash median price is $426.00, which is lower than the facility's negotiated rates of $557.00 to $566.00 and the median paid by insurers of $566.00. While the facility is a Critical Access Hospital with a voluntary non-profit ownership, patients with high-deductible plans may find paying cash directly more cost-effective than using insurance, as the cash price is significantly lower than the commercial negotiated rates. It is important to note that commercial rates often include administrative overhead and contract markups that can exceed the true cost of care, making the cash option a viable strategy for minimizing out-of-pocket expenses when insurance deductibles have not yet been met.
To ensure you receive the most accurate pricing, always request an itemized billing audit before finalizing payment, as summary bills often obscure individual line items or unbundled charges that could be disputed. Although the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, it is crucial to verify your specific plan's allowed amount and confirm that the facility has applied any available self-pay or prompt-pay discounts prior to scheduling. By comparing the Medicare benchmark rate of $88.91 against the actual charges, you can see that the cash price represents a fairer value than the commercial negotiated rates, which average well above the federal baseline.