Cataract surgery with lens implant
Facility: Goodland Regional Medical Center
Billing Code: 66984 (CPT)
- CPT Billing Code: 66984
- Insurance Median: $4,870
- Cash Discount Price: $4,870
- vs. Medicare Baseline: 2.07x 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 $2,357.81 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 207% of the Medicare baseline (a markup of 107%). 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 | $2,706 | 115% |
| Wppa | $4,600 - $4,870 | 195% |
| UnitedHealthcare | $4,870 | 207% |
Consumer Guidance & Cost Commentary
For patients seeking cataract surgery with lens implant at Goodland Regional Medical Center in Goodland, KS, the cash price of $4,870 is notably higher than the state average for this procedure. While the facility's negotiated rates for commercial payers like Blue Cross Blue Shield and UnitedHealthcare range from $2,706 to $4,870, the cash price remains the most transparent benchmark for those without insurance. It is important to note that for individuals with high-deductible plans, paying the cash price of $4,870 upfront may be more cost-effective than relying on insurance, as the negotiated rates often exceed the cash price due to administrative overhead and contract structures. Patients should verify their specific plan's deductible status before scheduling, as paying out-of-pocket can sometimes result in lower out-of-pocket costs if the insurance allowed amount is higher than the cash rate.
The facility, a Critical Access Hospital with government-local ownership, lists a cash median of $4,870, which aligns with the median negotiated rate for this procedure. This price point is significantly higher than the Medicare benchmark of $2,357.81, reflecting the typical markup found in commercial healthcare pricing where rates average 200% to 300% of Medicare amounts. To minimize costs, patients should proactively ask the billing department about "self-pay" or "prompt-pay" discounts, which can reduce the final bill by 20% to 50% if paid in full before or shortly after the service. Additionally, if you receive an itemized bill, request a full line-by-line audit to ensure no errors or unbundled charges are included, as over