CMS Price Transparency Data

CT scan, sinuses

Facility: St Josephs Area Health Services

Billing Code: 70486 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70486
Insurance Median: $932
Cash Discount Price: $1,332
vs. Medicare Baseline: 8.73x Medicare

The contracted insurance negotiated median rate for a CT scan, sinuses at St Josephs Area Health Services is $932. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,332. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 8.73x the Medicare baseline. Located in 600 Pleasant Avenue, Park Rapids, MN.

Cash / Self-Pay

$1,332

Average discount available for prompt cash payment at this facility.

Insurance Median

$932

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$106.81

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $106.81 (100%)

Cash / Self-Pay: $1,332 (1247%)

Insurance Median: $932 (873%)

Cash: $1,332 (1247% of Medicare)

Ins. Median: $932 (873% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $106.81 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 873% of the Medicare baseline (a markup of 773%). 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	$359 - $1,477	336%
Humana	$823	771%
Medica	$823 - $1,521	771%
Prime West Health	$823 - $847	771%
Health Partners	$847 - $2,130	793%
South Country Health Alliance	$847	793%
Ucare	$864 - $2,130	809%
United	$1,767 - $2,009	1654%
Sanford Health Plan	$2,300	2153%

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 $1,332.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 70486.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Josephs Area Health Services is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 70486.
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.