CMS Price Transparency Data

Office visit, established patient (30-39 min)

Facility: Wellspan Chambersburg Hospital

Billing Code: 99214 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99214
Insurance Median: $305
Cash Discount Price: $433
vs. Medicare Baseline: 2.25x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (30-39 min) at Wellspan Chambersburg Hospital is $305. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $433. Compared to the federal Medicare reimbursement reference rate of $135.6, this hospital’s rate is 2.25x the Medicare baseline. Located in 112 North Seventh Street, Chambersburg, PA.

Cash / Self-Pay

$433

Average discount available for prompt cash payment at this facility.

Insurance Median

$305

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: $433 (319%)

Insurance Median: $305 (225%)

Cash: $433 (319% of Medicare)

Ins. Median: $305 (225% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 225% of the Medicare baseline (a markup of 125%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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
Medicaid / KanCare	$50 - $77	37%
Medicare (plans)	$91 - $173	67%
Aetna	$94 - $568	69%
Highmark	$138 - $593	102%
Upmc	$234 - $588	173%
Wellspan_Capital_Blue_Cross	$281 - $498	207%
Geisinger	$289 - $512	213%
Cigna	$290 - $541	214%
United_Healthcare	$366 - $650	270%
First_Health_Network	$370 - $657	273%
Performance_Blue	$407 - $593	300%

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 $433.
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 Wellspan Chambersburg Hospital 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.