CMS Price Transparency Data

Echocardiogram (heart ultrasound)

Facility: McLaren Bay Region

Billing Code: 93306 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 93306
Insurance Median: $300
Cash Discount Price: $1,470
vs. Medicare Baseline: 0.54x Medicare

The contracted insurance negotiated median rate for a Echocardiogram (heart ultrasound) at McLaren Bay Region is $300. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,470. Compared to the federal Medicare reimbursement reference rate of $558.25, this hospital’s rate is 0.54x the Medicare baseline. Located in 1900 Columbus Ave, Bay City, MI.

Cash / Self-Pay

$1,470

Average discount available for prompt cash payment at this facility.

Insurance Median

$300

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$558.25

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $558.25 (100%)

Cash / Self-Pay: $1,470 (263%)

Insurance Median: $300 (54%)

Cash: $1,470 (263% of Medicare)

Ins. Median: $300 (54% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $558.25 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
Medicaid / KanCare	$43 - $309	8%
Humana	$66 - $535	12%
Medicare (plans)	$66 - $856	12%
UnitedHealthcare	$70	13%
U Of M Health Plan	$76	14%
Mclaren Commercial Ins	$79	14%
Aetna	$90	16%
Priority Health	$95	17%
Blue Cross Blue Shield	$108 - $931	19%
Mi Amish Medical Board	$535	96%
Tricare	$537	96%

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 $1,470.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 93306.

Insurance In-Network Protection Plan

Contact your insurance company to confirm McLaren Bay Region is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 93306.
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.