CMS Price Transparency Data

Electrocardiogram (EKG, tracing only)

Facility: Holyoke Medical Center

Billing Code: 93005 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 93005
Insurance Median: $69
Cash Discount Price: $106
vs. Medicare Baseline: 1.14x Medicare

The contracted insurance negotiated median rate for a Electrocardiogram (EKG, tracing only) at Holyoke Medical Center is $69. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $106. Compared to the federal Medicare reimbursement reference rate of $60.27, this hospital’s rate is 1.14x the Medicare baseline. Located in 575 Beech Street, Holyoke, MA.

Cash / Self-Pay

$106

Average discount available for prompt cash payment at this facility.

Insurance Median

$69

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$60.27

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $60.27 (100%)

Cash / Self-Pay: $106 (176%)

Insurance Median: $69 (114%)

Cash: $106 (176% of Medicare)

Ins. Median: $69 (114% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $60.27 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
Aetna	$9 - $66	15%
Bmchp	$27	45%
Fallon	$27 - $72	45%
Health New England	$27 - $66	45%
Wellsense Direct Metals Silver	$33	55%
Gic Unicare	$47	78%
Blue Cross Blue Shield	$66 - $90	110%
Tufts Health Plan	$66 - $77	110%
UnitedHealthcare	$66 - $85	110%
Commonwealth Care Alliance	$69	114%
Wellcare	$70	116%
Wellsense Sco	$70	116%
Senior Whole Health	$76	126%
Cigna	$78	129%
Tufts Health Public Plans	$79	131%
Harvard Pilgrim	$85	141%

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 $106.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 93005.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Holyoke Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 93005.
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.