CMS Price Transparency Data

X-ray, hand

Facility: Charlevoix Area Hospital

Billing Code: 73130 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 73130
Insurance Median: $59
Cash Discount Price: $107
vs. Medicare Baseline: 0.66x Medicare

The contracted insurance negotiated median rate for a X-ray, hand at Charlevoix Area Hospital is $59. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $107. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 0.66x the Medicare baseline. Located in 14700 Lakeshore Drive, Charlevoix, MI.

Cash / Self-Pay

$107

Average discount available for prompt cash payment at this facility.

Insurance Median

$59

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$88.91

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $88.91 (100%)

Cash / Self-Pay: $107 (120%)

Insurance Median: $59 (66%)

Cash: $107 (120% of Medicare)

Ins. Median: $59 (66% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $88.91 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
Blue Cross Blue Shield	$5 - $128	6%
Mclaren Health Plan	$5 - $117	6%
Meridian	$5 - $61	6%
Priority Health	$5 - $126	6%
UnitedHealthcare	$5 - $109	6%
Aetna	$8 - $114	9%
Blue Care Network	$8 - $59	9%
Hap (Health Alliance Plan)	$8 - $131	9%
Medicare (plans)	$8 - $59	9%
Michigan Amish Medical Board	$8 - $59	9%
Molina	$8 - $64	9%
Northern Michigan Mennonite Group	$8 - $59	9%
Asr Physicians Care Network	$13 - $101	15%
Cigna	$13 - $126	15%
Employee Benefits Logistics	$14 - $101	16%
Nomi Health	$14 - $117	16%
Hospice Of Michigan	$76	85%
Enterprise Group Planning Employee Benefit Plan	$101	114%
First Health/Coventry Health/Community Care Network	$101	114%
Medical Cost Savings Solution	$101	114%
Provider Network Of America/Hma Group Health	$107 - $122	120%
Three Rivers Provider Network	$107	120%
Iba Health And Life Assurance Company	$116	130%
Cofinity	$117	132%
Preferred Medical Claim Solutions	$120	135%

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 $107.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 73130.

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 73130.
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.