CMS Price Transparency Data

Office visit, established patient (20-29 min)

Facility: St Claire Regional Medical Center

Billing Code: 99213 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99213
Insurance Median: $124
Cash Discount Price: $153
vs. Medicare Baseline: 1.30x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (20-29 min) at St Claire Regional Medical Center is $124. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $153. Compared to the federal Medicare reimbursement reference rate of $95.19, this hospital’s rate is 1.30x the Medicare baseline. Located in 222 Medical Circle, Morehead, KY.

Cash / Self-Pay

$153

Average discount available for prompt cash payment at this facility.

Insurance Median

$124

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$95.19

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $95.19 (100%)

Cash / Self-Pay: $153 (161%)

Insurance Median: $124 (130%)

Cash: $153 (161% of Medicare)

Ins. Median: $124 (130% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $95.19 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.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Wellcare Mcaid	$26 - $257	27%
Medicaid / KanCare	$27 - $252	28%
Aetna	$40 - $252	42%
Beacon Bh - All Plans	$42 - $45	44%
Blue Cross Blue Shield	$56 - $416	59%
Caresource Mcr Adv	$56	59%
Humana	$56 - $405	59%
Healthlink - All Plans	$59 - $401	62%
Wellcare Comm - All Other Plans	$70 - $491	74%
Caresource Just4Me - All Other Plans	$73 - $78	77%
Ky Health Co-Op - All Plans	$73 - $751	77%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $153.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 99213.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Claire Regional Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 99213.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.