CMS Price Transparency Data

Office visit, established patient (20-29 min)

Facility: Munson Healthcare Otsego Memorial Hospital

Billing Code: 99213 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99213
Insurance Median: $102
Cash Discount Price: $130
vs. Medicare Baseline: 1.07x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (20-29 min) at Munson Healthcare Otsego Memorial Hospital is $102. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $130. Compared to the federal Medicare reimbursement reference rate of $95.19, this hospital’s rate is 1.07x the Medicare baseline. Located in 825 N Center Ave, Gaylord, MI.

Cash / Self-Pay

$130

Average discount available for prompt cash payment at this facility.

Insurance Median

$102

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: $130 (137%)

Insurance Median: $102 (107%)

Cash: $130 (137% of Medicare)

Ins. Median: $102 (107% 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
Mclaren Health Plan	$42 - $139	44%
Meridian	$42 - $48	44%
Molina	$42 - $99	44%
Priority Health	$42 - $159	44%
UnitedHealthcare	$42 - $133	44%
Blue Cross Blue Shield	$43 - $104	45%
Aetna	$57 - $134	60%
Blue Care Network	$57 - $91	60%
Hap (Health Alliance Plan)	$57 - $133	60%
Humana	$57 - $91	60%
Medicare (plans)	$57 - $91	60%
Michigan Amish Medical Board	$57 - $91	60%
Northern Michigan Mennonite Group	$57 - $91	60%
Cigna	$75 - $159	79%
Hospice Of Michigan	$83 - $100	87%
Asr Physicians Care Network	$85 - $133	89%
Nomi Health	$91 - $133	96%
Employee Benefit Logistics	$97 - $155	102%
Munson Hospice	$97 - $852	102%
Enterprise Group Planning/Employee Benefit Plan	$111 - $133	117%
Cofinity	$118 - $141	124%
Provider Network Of America/Hawaii Mainland Administrative Group Health	$118 - $141	124%
Three Rivers Provider Network	$118 - $141	124%

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 $130.
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 Munson Healthcare Otsego Memorial Hospital 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.