CMS Price Transparency Data

X-ray, hand

Facility: Essentia Health St Marys - Detroit Lakes

Billing Code: 73130 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 73130
Insurance Median: $166
Cash Discount Price: $215
vs. Medicare Baseline: 1.87x Medicare

The contracted insurance negotiated median rate for a X-ray, hand at Essentia Health St Marys - Detroit Lakes is $166. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $215. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 1.87x the Medicare baseline. Located in 1027 Washington Ave, Detroit Lakes, MN.

Cash / Self-Pay

$215

Average discount available for prompt cash payment at this facility.

Insurance Median

$166

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: $215 (242%)

Insurance Median: $166 (187%)

Cash: $215 (242% of Medicare)

Ins. Median: $166 (187% 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	$61 - $400	69%
Itasca Med Care	$88	99%
Primewest	$88	99%
Advocare/Security Health	$93	105%
Freedom Blue Ppo	$93	105%
Healthpartners Care Msho / Mcr Adv	$93	105%
Imcare Msho Pcc Prime	$93	105%
Imcare Msho Ref Req	$93	105%
Medica Advantage Solutions	$93	105%
Medica Msho/Dual Solutions	$93	105%
Medica Prime Solution Group	$93	105%
Medicare (plans)	$93	105%
Nd Va Administration	$93	105%
Platinum Blue/Vantage Blue	$93	105%
Primewest Msho	$93	105%
Secure Blue Msho	$93	105%
Ubh Cost Plan	$93	105%
Ubh Msho	$93	105%
Ucare Msho	$93	105%
UnitedHealthcare	$93 - $281	105%
Healthpartners Care Pmap	$130	146%
Sanford Healthplan	$144 - $156	162%
Medica Uplan	$213	240%
Ucare	$220	247%
Healthpartners	$225 - $246	253%
Medica	$234 - $260	263%
Wea	$241 - $258	271%
Cigna	$246	277%
Healthpartners Pcc Prime	$246	277%
America'S Ppo	$260	292%
Medica Choice	$268	301%
Wps	$278 - $281	313%
Aetna	$285	321%
Healtheos	$288	324%

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 $215.
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 Essentia Health St Marys - Detroit Lakes 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.