CMS Price Transparency Data

Office visit, established patient (20-29 min)

Facility: Stillwater Medical Center

Billing Code: 99213 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99213
Insurance Median: $167
Cash Discount Price: $228
vs. Medicare Baseline: 1.75x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (20-29 min) at Stillwater Medical Center is $167. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $228. Compared to the federal Medicare reimbursement reference rate of $95.19, this hospital’s rate is 1.75x the Medicare baseline. Located in 1323 West 6Th Street, Stillwater, OK.

Cash / Self-Pay

$228

Average discount available for prompt cash payment at this facility.

Insurance Median

$167

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$95.19

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $95.19 (100%)

Cash / Self-Pay: $228 (240%)

Insurance Median: $167 (175%)

Cash: $228 (240% of Medicare)

Ins. Median: $167 (175% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $95.19 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
Aetna	$92 - $192	97%
Blue Cross Blue Shield	$92 - $192	97%
Cigna	$94 - $196	99%
Community Care	$120 - $250	126%
Ebms (Employee Benefit Management Services Inc.)	$120 - $250	126%
UnitedHealthcare	$124 - $258	130%
Coventry	$139 - $289	146%
Healthchoice	$140	147%
First Health	$157 - $327	165%
Osma Health	$163 - $339	171%
Multiplan	$166 - $346	174%
Preferred Community Choice	$166 - $346	174%

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 $228.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 99213.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Stillwater Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 99213.
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.