Cataract surgery with lens implant
Facility: Liberty Hospital
Billing Code: 66984 (CPT)
- CPT Billing Code: 66984
- Insurance Median: $2,304
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 0.98x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. Medicare
Understanding this gauge: We use the federal Medicare rate of $2,357.81 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.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
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 | $389 - $10,155 | 16% |
| Cigna | $1,625 - $2,068 | 69% |
| Aetna | $2,068 - $8,102 | 88% |
| UnitedHealthcare | $2,068 - $3,413 | 88% |
| Medicare (plans) | $2,089 - $2,275 | 89% |
| Humana | $2,110 - $7,603 | 89% |
| Healthy Blue | $2,219 | 94% |
| Ambetter / Centene | $2,627 | 111% |
| Home State Health | $3,035 | 129% |
Consumer Guidance & Cost Commentary
For this cataract surgery with lens implant procedure at Liberty Hospital in Liberty, Missouri, the most significant benchmark available is the Medicare amount of $2,357.81, which serves as the federal cost baseline for this service. The facility's cash median rate is not listed in the provided data; however, the median negotiated rate for in-network insurance plans is $2,304, which is slightly lower than the Medicare benchmark. While commercial insurance contracts often result in higher costs due to administrative overhead, this specific negotiated rate remains competitive against the government-set standard, though patients should verify if their specific plan's allowed amount differs from the facility's published negotiated rate.
Insurance coverage varies significantly across providers, with allowed amounts ranging from a low of $162.50 with Cigna to a high of $10,155 with Blue Cross Blue Shield, indicating a wide disparity in how much different plans pay out. Although the data does not include state or county average comparisons, the presence of a median negotiated rate of $2,304 suggests that for patients with high-deductible plans, paying the cash price directly could potentially result in lower out-of-pocket costs if the negotiated rate exceeds the cash price, though the cash rate itself is currently unavailable. Patients are strongly encouraged to contact Liberty Hospital directly to inquire about "self-pay" or "prompt-pay" discounts, which can offer a fee reduction of 20% to 50% for upfront payment, and to request an itemized billing audit to ensure no errors or unbundled charges are included in their final statement.