CMS Price Transparency Data

Electrocardiogram (EKG, tracing only)

Facility: Charlevoix Area Hospital

Billing Code: 93005 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 93005
Insurance Median: $81
Cash Discount Price: $86
vs. Medicare Baseline: 1.34x Medicare

The contracted insurance negotiated median rate for a Electrocardiogram (EKG, tracing only) at Charlevoix Area Hospital is $81. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $86. Compared to the federal Medicare reimbursement reference rate of $60.27, this hospital’s rate is 1.34x the Medicare baseline. Located in 14700 Lakeshore Drive, Charlevoix, MI.

Cash / Self-Pay

$86

Average discount available for prompt cash payment at this facility.

Insurance Median

$81

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: $86 (143%)

Insurance Median: $81 (134%)

Cash: $86 (143% of Medicare)

Ins. Median: $81 (134% 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	$6 - $91	10%
Blue Care Network	$6 - $47	10%
Hap (Health Alliance Plan)	$6 - $89	10%
Mclaren Health Plan	$6 - $94	10%
Medicare (plans)	$6 - $47	10%
Michigan Amish Medical Board	$6 - $47	10%
Molina	$6 - $51	10%
Northern Michigan Mennonite Group	$6 - $47	10%
Priority Health	$6 - $101	10%
UnitedHealthcare	$6 - $88	10%
Blue Cross Blue Shield	$8 - $93	13%
Cigna	$9 - $101	15%
Asr Physicians Care Network	$10 - $81	17%
Nomi Health	$10 - $94	17%
Employee Benefits Logistics	$11 - $81	18%
Meridian	$42	70%
Hospice Of Michigan	$61	101%
Enterprise Group Planning Employee Benefit Plan	$81	134%
First Health/Coventry Health/Community Care Network	$81	134%
Medical Cost Savings Solution	$81	134%
Provider Network Of America/Hma Group Health	$83 - $86	138%
Three Rivers Provider Network	$86	143%
Iba Health And Life Assurance Company	$93	154%
Cofinity	$94	156%
Preferred Medical Claim Solutions	$96	159%

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 $86.
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 Charlevoix Area Hospital 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.