CMS Price Transparency Data

X-ray, hand

Facility: Sanford Bemidji Medical Center

Billing Code: 73130 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 73130
Insurance Median: $444
Cash Discount Price: $506
vs. Medicare Baseline: 4.99x Medicare

The contracted insurance negotiated median rate for a X-ray, hand at Sanford Bemidji Medical Center is $444. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $506. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 4.99x the Medicare baseline. Located in 1300 Anne St Nw, Bemidji, MN.

Cash / Self-Pay

$506

Average discount available for prompt cash payment at this facility.

Insurance Median

$444

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: $506 (569%)

Insurance Median: $444 (499%)

Cash: $506 (569% of Medicare)

Ins. Median: $444 (499% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 499% of the Medicare baseline (a markup of 399%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$66 - $321	74%
Sanford Health Plan Align	$82	92%
Ucare	$88 - $444	99%
Aetna	$89 - $518	100%
Health Partners	$89 - $442	100%
Medicare (plans)	$89	100%
UnitedHealthcare	$89 - $528	100%
Primewest	$91 - $97	102%
Sanford Health Plan	$288 - $386	324%
Security Health Plan	$348	391%
Medica	$531 - $568	597%
Cigna	$569	640%
First Choice Health Network	$569	640%
Healthez	$569	640%
Multiplan	$569	640%

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 $506.
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 Sanford Bemidji Medical Center 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.