X-ray, hand
Facility: Bob Wilson Memorial Hospital
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $239
- Cash Discount Price: $138
- vs. Medicare Baseline: 2.69x 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 269% of the Medicare baseline (a markup of 169%). 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 |
|---|---|---|
| Kansas Health | $85 - $110 | 96% |
| Humana | $85 - $110 | 96% |
| Aetna | $85 - $276 | 96% |
| UnitedHealthcare | $85 - $288 | 96% |
| Medicare (plans) | $85 - $110 | 96% |
| Centura Employee Plan | $91 | 102% |
| Blue Cross Blue Shield | $182 | 205% |
| Multiplan | $239 - $321 | 269% |
| Health Partners Of Kansas | $249 - $324 | 280% |
| Wppa | $252 - $328 | 283% |
Consumer Guidance & Cost Commentary
For the X-ray of the hand (CPT 73130) at Bob Wilson Memorial Hospital in Ulysses, KS, the cash median price is $138.00, which is significantly lower than the facility's gross charge of $345.00. While the facility is a Critical Access Hospital owned by a voluntary non-profit church, patients with high-deductible plans may find the cash price more affordable than their insurance negotiated rates, which range from $85 to $328 depending on the payer. For instance, while Medicare allows $88.91 and some plans like Kansas Health or Humana negotiate for $85 to $110, other carriers such as Multiplan and Health Partners Of Kansas have negotiated rates between $239 and $324. It is important to note that commercial negotiated rates often include administrative overhead for claims processing, which can inflate the baseline price by 20% to 40% compared to the true cost of care.
Patients should be aware that paying the cash price upfront can sometimes result in substantial savings compared to the balance billed after insurance processing, as hospitals often offer prompt-pay discounts of 20% to 50% for immediate payment. To secure these discounts, patients must request self-pay classification and sign a waiver of insurance submission before check-in, as automatic claims submission can void the cash agreement. Additionally, since over 80% of hospital bills contain errors, consumers are encouraged to request a full itemized CPT-coded bill rather than accepting a summary invoice, which may hide unbundled codes or services not rendered. By comparing the facility's cash median of $138.