X-ray, hand
Facility: Liberty Hospital
Billing Code: 73130 (CPT)
- CPT Billing Code: 73130
- Insurance Median: $91
- Cash Discount Price: $194
- vs. Medicare Baseline: 1.02x 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 $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.
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 | $9 - $598 | 10% |
| Aetna | $38 - $81 | 43% |
| Humana | $62 - $82 | 70% |
| Cigna | $81 | 91% |
| Medicare (plans) | $81 - $89 | 91% |
| UnitedHealthcare | $81 - $133 | 91% |
| Healthy Blue | $87 | 98% |
| Ambetter / Centene | $102 | 115% |
| Home State Health | $118 | 133% |
| Fox Everett | $370 - $454 | 416% |
| Phcs | $462 - $567 | 520% |
| Multiplan | $511 - $627 | 575% |
Consumer Guidance & Cost Commentary
For this X-ray, hand procedure at Liberty Hospital in Liberty, MO, the cash median price is $194. This cash rate is significantly lower than the facility's gross charge of $686 and the state average of $194, though it is notably higher than the median negotiated rate of $91 paid by insurance plans. Because commercial negotiated rates often exceed cash prices due to administrative overhead and contract structures, patients with high-deductible plans may find paying the $194 cash price directly more cost-effective than relying on insurance, which could result in a higher allowed amount.
To minimize potential balance billing or unexpected costs, patients should verify their insurance status and explicitly request a self-pay or prompt-pay discount before scheduling, as hospitals often offer fee reductions for upfront payments that bypass claims processing. If a patient chooses to use insurance, they should demand a full itemized bill before agreeing to settle any amount, ensuring no unbundled codes or services not rendered are included in the final charge. While the No Surprises Act protects against balance billing for out-of-network services at in-network facilities, patients must remain vigilant against summary bills that obscure individual line items, and should always confirm whether their specific plan has met its deductible before incurring charges.