X-ray, hand
Facility: Girard Medical Center
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $123
- Cash Discount Price: $210
- vs. Medicare Baseline: 1.38x 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.
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 | $122 - $332 | 137% |
| Ambetter / Centene | $122 | 137% |
| Kansas Superior Select-All Plans | $122 | 137% |
| Humana | $122 | 137% |
| Blue Cross Blue Shield | $122 - $137 | 137% |
| Medicare (plans) | $122 | 137% |
| Aetna | $122 - $612 | 137% |
| Multiplan-All Plans | $324 | 364% |
| Uhhis-All Plans | $332 | 373% |
Consumer Guidance & Cost Commentary
For the X-ray of the hand at Girard Medical Center in Kansas, the facility's cash median price is $210.00, which is lower than the negotiated rates paid by most major insurers. While commercial payers like Aetna and UnitedHealthcare have negotiated rates ranging from $122 to $612, the cash price offers a more predictable cost for patients with high-deductible plans or those without insurance. Because commercial contracts often include administrative overhead and multi-layered pricing structures, the cash price can sometimes be significantly cheaper than the amount an insurance plan would allow. Patients should verify if their specific plan has a deductible that has already been met before relying on insurance, as paying the full negotiated rate upfront could result in higher out-of-pocket expenses than paying the cash price directly.
To ensure you are not overcharged, it is important to understand that hospitals often issue summary bills that obscure individual line items, making it difficult to spot errors or unbundled charges. If you receive a bill, request a full itemized statement showing every CPT code and unit cost to identify any services that were not rendered or codes that should have been bundled. Additionally, if you are an out-of-network patient receiving care at this in-network facility, be aware of federal protections under the No Surprises Act, which generally prevent balance billing for emergency services and non-emergency care provided at in-network hospitals. Finally, ask the billing department about prompt-pay discounts, which can reduce the total amount owed by 20% to 50% if you pay in full within a short window, effectively bypassing the costly insurance claims process.