X-ray, hand
Facility: Clay County Medical Center
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $252
- Cash Discount Price: $271
- vs. Medicare Baseline: 2.83x 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 283% of the Medicare baseline (a markup of 183%). 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 |
|---|---|---|
| Multiplan- All Plans | $8 - $287 | 9% |
| UnitedHealthcare | $10 - $287 | 11% |
| Aetna | $17 - $281 | 19% |
| Health Partners - All Plans | $17 - $287 | 19% |
| Wppa/Providrs Care- All Plans | $17 - $281 | 19% |
Consumer Guidance & Cost Commentary
For the X-ray of the hand (CPT 73130) at Clay County Medical Center in Clay Center, KS, the cash price is $271.00, which matches the facility's median negotiated rate of $252.00. This cash price is significantly higher than the Medicare benchmark of $88.91, reflecting a markup of 2.8 times the federal rate. While the facility is a Critical Access Hospital owned by the local government, patients with high-deductible plans may find that paying the full cash price upfront is more cost-effective than using insurance, as commercial negotiated rates often exceed cash prices due to administrative overhead. It is important to verify your specific plan's allowed amount before scheduling, as in-network rates vary widely even within the same facility.
To minimize costs, patients should actively request "self-pay" or "prompt-pay" discounts from the billing department before check-in, as these upfront payment incentives can reduce the final bill by 20% to 50%. Since over 80% of hospital bills contain errors, consumers should always demand a detailed, itemized statement rather than accepting a summary invoice, which may hide unbundled charges or services not rendered. Additionally, under the No Surprises Act, patients are protected from balance billing for emergency care or non-emergency services at in-network facilities, so any unexpected charges should be disputed immediately with the insurer or facility billing supervisor.