CMS Price Transparency Data

Office visit, established patient (30-39 min)

Facility: UPMC Bedford Memorial

Billing Code: 99214 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99214
Insurance Median: $149
Cash Discount Price: $142
vs. Medicare Baseline: 1.10x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (30-39 min) at UPMC Bedford Memorial is $149. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $142. Compared to the federal Medicare reimbursement reference rate of $135.6, this hospital’s rate is 1.10x the Medicare baseline. Located in 10455 Lincoln Highway, Everett, PA.

Cash / Self-Pay

$142

Average discount available for prompt cash payment at this facility.

Insurance Median

$149

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$135.6

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $135.6 (100%)

Cash / Self-Pay: $142 (105%)

Insurance Median: $149 (110%)

Cash: $142 (105% of Medicare)

Ins. Median: $149 (110% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $135.6 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	$36 - $159	27%
UnitedHealthcare	$57 - $159	42%
Upmc Health Plan	$60 - $185	44%
Cigna	$64 - $159	47%
Geisinger	$76	56%
Highmark Wholecare (Prev Gateway)	$81 - $118	60%
Health Partners Plans (Jefferson Health Plan)	$82	60%
Amerihealth Caritas	$85	63%
Pa Health & Wellness	$93	69%
Blue Cross Blue Shield	$119 - $147	88%
Upmc Work Partners	$122	90%
Intergroup	$154 - $213	114%
Coventry/First Health	$166	122%
Preferred Healthcare System	$190	140%
Health Coalition Partners	$213	157%
Humana	$213	157%
Private Health Care Systems	$213	157%
Selectcare	$213	157%

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 $142.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 99214.

Insurance In-Network Protection Plan

Contact your insurance company to confirm UPMC Bedford Memorial is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 99214.
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.