CMS Price Transparency Data

Office visit, established patient (20-29 min)

Facility: Penn State Health St. Joseph

Billing Code: 99213 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99213
Insurance Median: $58
Cash Discount Price: $30
vs. Medicare Baseline: 0.61x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (20-29 min) at Penn State Health St. Joseph is $58. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $30. Compared to the federal Medicare reimbursement reference rate of $95.19, this hospital’s rate is 0.61x the Medicare baseline. Located in 2500 Bernville Road, Reading, PA.

Cash / Self-Pay

$30

Average discount available for prompt cash payment at this facility.

Insurance Median

$58

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: $30 (32%)

Insurance Median: $58 (61%)

Cash: $30 (32% of Medicare)

Ins. Median: $58 (61% 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
[Highmark Choice Blue]	$24	25%
[Highmark Aca]	$25	26%
[Highmark]	$29	30%
Aetna	$30 - $59	32%
[Upmc]	$41 - $85	43%
UnitedHealthcare	$45 - $78	47%
[Cbc]	$52 - $61	55%
[Ibc]	$57	60%
Cigna	$71	75%
[Geisinger]	$83	87%
[Preferred Healthcare Systems]	$86	90%
[First Health]	$92	97%
[Multiplan]	$92	97%

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 $30.
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 Penn State Health St. Joseph 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.