CMS Price Transparency Data

Breast lump removal

Facility: Westchester Medical Center

Billing Code: 19120 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 19120
Insurance Median: $6,893
Cash Discount Price: $7,853
vs. Medicare Baseline: 1.72x Medicare

The contracted insurance negotiated median rate for a Breast lump removal at Westchester Medical Center is $6,893. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $7,853. Compared to the federal Medicare reimbursement reference rate of $4,000.24, this hospital’s rate is 1.72x the Medicare baseline. Located in 100 Woods Rd, Valhalla, NY.

Cash / Self-Pay

$7,853

Average discount available for prompt cash payment at this facility.

Insurance Median

$6,893

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$4,000.24

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $4,000.24 (100%)

Cash / Self-Pay: $7,853 (196%)

Insurance Median: $6,893 (172%)

Cash: $7,853 (196% of Medicare)

Ins. Median: $6,893 (172% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $4,000.24 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	$5,663 - $7,550	142%
UnitedHealthcare	$5,826 - $8,109	146%
Oxford	$6,169 - $8,109	154%
Aetna	$6,176 - $9,038	154%
Cdphp	$6,267 - $8,355	157%
Cigna	$6,379	159%
Emblem	$8,800	220%
Mvp	$12,983 - $16,061	325%

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 $7,853.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 19120.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Westchester Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 19120.
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.