CMS Price Transparency Data

Echocardiogram (heart ultrasound)

Facility: Charlevoix Area Hospital

Billing Code: 93306 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 93306
Insurance Median: $309
Cash Discount Price: $1,776
vs. Medicare Baseline: 0.55x Medicare

The contracted insurance negotiated median rate for a Echocardiogram (heart ultrasound) at Charlevoix Area Hospital is $309. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,776. Compared to the federal Medicare reimbursement reference rate of $558.25, this hospital’s rate is 0.55x the Medicare baseline. Located in 14700 Lakeshore Drive, Charlevoix, MI.

Cash / Self-Pay

$1,776

Average discount available for prompt cash payment at this facility.

Insurance Median

$309

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: $1,776 (318%)

Insurance Median: $309 (55%)

Cash: $1,776 (318% of Medicare)

Ins. Median: $309 (55% 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
Mclaren Health Plan	$43 - $1,945	8%
Meridian	$43 - $386	8%
Priority Health	$43 - $2,089	8%
UnitedHealthcare	$43 - $1,815	8%
Blue Cross Blue Shield	$44 - $1,930	8%
Aetna	$66 - $1,886	12%
Blue Care Network	$66 - $982	12%
Hap (Health Alliance Plan)	$66 - $1,671	12%
Medicare (plans)	$66 - $982	12%
Michigan Amish Medical Board	$66 - $982	12%
Molina	$66 - $1,060	12%
Northern Michigan Mennonite Group	$66 - $982	12%
Cigna	$96 - $2,089	17%
Asr Physicians Care Network	$99 - $1,671	18%
Nomi Health	$106 - $1,943	19%
Employee Benefits Logistics	$112 - $1,669	20%
Provider Network Of America/Hma Group Health	$766 - $1,776	137%
Hospice Of Michigan	$1,253	224%
Enterprise Group Planning Employee Benefit Plan	$1,671	299%
First Health/Coventry Health/Community Care Network	$1,671	299%
Medical Cost Savings Solution	$1,671	299%
Three Rivers Provider Network	$1,776	318%
Iba Health And Life Assurance Company	$1,922	344%
Cofinity	$1,943	348%
Preferred Medical Claim Solutions	$1,985	356%

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 $1,776.
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 Charlevoix Area Hospital 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.