CMS Price Transparency Data

X-ray, hand

Facility: St Lukes Hospital

Billing Code: 73130 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 73130
Insurance Median: $77
Cash Discount Price: $162
vs. Medicare Baseline: 0.87x Medicare

The contracted insurance negotiated median rate for a X-ray, hand at St Lukes Hospital is $77. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $162. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 0.87x the Medicare baseline. Located in 915 East 1St Street, Duluth, MN.

Cash / Self-Pay

$162

Average discount available for prompt cash payment at this facility.

Insurance Median

$77

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: $162 (182%)

Insurance Median: $77 (87%)

Cash: $162 (182% of Medicare)

Ins. Median: $77 (87% 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
UnitedHealthcare	$20 - $78	22%
Aetna	$22 - $93	25%
Blue Cross Blue Shield	$22 - $194	25%
Medica	$22 - $234	25%
Ucare	$22 - $26	25%
Tricare	$27	30%
Humana	$30 - $95	34%
Healthpartners	$45 - $92	51%
America'S Ppo	$158	178%
Security Health Plan Of Wisconsin, Inc.	$173 - $1,473	195%
Group Health Cooperative Of Eau Claire	$199	224%

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 $162.
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 St Lukes 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.