CMS Price Transparency Data

Electrocardiogram (EKG, tracing only)

Facility: Sanford Luverne Medical Center

Billing Code: 93005 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 93005
Insurance Median: $158
Cash Discount Price: $181
vs. Medicare Baseline: 2.62x Medicare

The contracted insurance negotiated median rate for a Electrocardiogram (EKG, tracing only) at Sanford Luverne Medical Center is $158. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $181. Compared to the federal Medicare reimbursement reference rate of $60.27, this hospital’s rate is 2.62x the Medicare baseline. Located in 1600 N Kniss Avenue P O Box 1019, Luverne, MN.

Cash / Self-Pay

$181

Average discount available for prompt cash payment at this facility.

Insurance Median

$158

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: $181 (300%)

Insurance Median: $158 (262%)

Cash: $181 (300% of Medicare)

Ins. Median: $158 (262% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 262% of the Medicare baseline (a markup of 162%). 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
Ucare	$62 - $199	103%
Blue Cross Blue Shield	$80 - $185	133%
Sanford Health Plan Align	$80	133%
Aetna	$86 - $196	143%
Health Partners	$86 - $181	143%
Medicare (plans)	$86	143%
UnitedHealthcare	$86 - $189	143%
Primewest	$88 - $107	146%
Sanford Health Plan	$121 - $142	201%
Security Health Plan	$124	206%
Medica	$199 - $214	330%
Cigna	$203	337%
First Choice Health Network	$203	337%
Healthez	$203	337%
Multiplan	$203	337%

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 $181.
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 Sanford Luverne Medical Center 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.