X-ray, hand
Facility: Morris County Hospital
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $169
- Cash Discount Price: $260
- vs. Medicare Baseline: 1.90x 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 |
|---|---|---|
| Providrs Care (Wppa)(Nexus)-All Plans | $27 | 30% |
| Blue Cross Blue Shield | $130 - $169 | 146% |
| Choice Care Mcr Adv-All Plans | $169 | 190% |
| Coventry Mcr | $169 | 190% |
| UnitedHealthcare | $169 - $434 | 190% |
| Va Ccn-All Plans | $169 | 190% |
| Cigna | $314 | 353% |
| Aetna | $389 | 438% |
| Multiplan-All Plans | $391 | 440% |
| Coventry Comm-All Other Plans | $391 | 440% |
Consumer Guidance & Cost Commentary
For this X-ray of the hand at Morris County Hospital in Council Grove, KS, the facility's cash price of $260.00 is significantly lower than the average negotiated rates paid by major insurers, which range from $130 to $434 depending on the plan. While the facility is a Critical Access Hospital with government local ownership, its cash rate of $260.00 is notably higher than the state of Kansas average for this service, suggesting that paying out-of-pocket may not always be the most cost-effective option for patients with high-deductible plans. Because commercial insurance contracts often include administrative overhead that inflates the baseline price by 20% to 40%, patients should verify their specific deductible status before relying on insurance, as the negotiated allowed amounts can sometimes exceed the cash price.
To ensure you are not overcharged, it is important to understand that commercial rates are benchmarked against Medicare, which serves as the objective baseline for true cost. In this case, the Medicare amount of $88.91 reveals that the facility's cash rate is approximately 2.9 times the Medicare benchmark, while the median negotiated rate of $169.00 represents a markup of roughly 1.9 times the Medicare rate. If you choose to pay directly, you should explicitly request a "self-pay" or "prompt-pay" discount before check-in, as hospitals often offer fee reductions of 20% to 50% for upfront payment to bypass costly claims processing. Additionally, if you receive a bill after using insurance, always demand a full itemized CPT-coded statement rather than accepting a summary bill, as over 80% of hospital bills contain