X-ray, hand
Facility: Osborne County Memorial Hospital
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $221
- Cash Discount Price: $209
- vs. Medicare Baseline: 2.49x 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 249% of the Medicare baseline (a markup of 149%). 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 |
|---|---|---|
| UnitedHealthcare | $179 - $194 | 201% |
| Health Partners Of Kansas | $202 - $219 | 227% |
| Wppa | $223 - $242 | 251% |
| Blue Cross Blue Shield | $230 - $250 | 259% |
Consumer Guidance & Cost Commentary
For the X-ray of the hand (CPT 73130) at Osborne County Memorial Hospital in Osborne, KS, the cash price is $209.00, which is lower than the facility's gross charge of $245.00. This cash rate is also below the median negotiated rate of $221.00 paid by insurance carriers such as UnitedHealthcare, Health Partners Of Kansas, Wppa, and Blue Cross Blue Shield. While the facility is a Critical Access Hospital with government-local ownership, patients should be aware that commercial insurance rates often include administrative overhead and do not reflect the lowest possible cost. If you have a high-deductible plan, paying the cash price upfront may result in immediate savings compared to your insurance's negotiated rate, provided you qualify for a prompt-pay discount.
To maximize your savings, you should contact the hospital directly to confirm if they offer a "self-pay" or "prompt-pay" discount, which can reduce the bill by 20% to 50% when paid in full within a short window. It is important to request this discount before scheduling your visit and to sign a waiver preventing automatic claims submission to ensure the cash rate applies. Additionally, since the Medicare amount for this service is $88.91, the cash price of $209.00 represents a markup of 2.5 times the Medicare benchmark. Always request a detailed, itemized bill before paying to verify that no unnecessary charges or unbundled codes are included, as over 80% of hospital bills contain errors that can be corrected through a formal audit.