CMS Price Transparency Data

X-ray, hand

Facility: Beloit Health System

Billing Code: 73130 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 73130
Insurance Median: $344
Cash Discount Price: $165
vs. Medicare Baseline: 3.87x Medicare

The contracted insurance negotiated median rate for a X-ray, hand at Beloit Health System is $344. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $165. Compared to the federal Medicare reimbursement reference rate of $88.91, this hospital’s rate is 3.87x the Medicare baseline. Located in 1969 W Hart Rd, Beloit, WI.

Cash / Self-Pay

$165

Average discount available for prompt cash payment at this facility.

Insurance Median

$344

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$88.91

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $88.91 (100%)

Cash / Self-Pay: $165 (186%)

Insurance Median: $344 (387%)

Cash: $165 (186% of Medicare)

Ins. Median: $344 (387% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $88.91 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 387% of the Medicare baseline (a markup of 287%). 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
Aetna	$9 - $1,010	10%
Blue Cross Blue Shield	$9 - $691	10%
Dean Health	$9 - $595	10%
Independent Care Health Plan	$9 - $92	10%
Quartz	$9 - $691	10%
UnitedHealthcare	$9 - $313	10%
Naphcare	$13 - $344	15%
Humana	$31 - $430	35%
The Alliance	$33 - $366	37%
Cook Children'S Health Plan (Cchp)	$36 - $531	40%
Wea Trust	$40 - $585	45%
Wps	$43 - $787	48%
Multiplan	$58 - $850	65%
Health Eos	$66 - $967	74%
Cigna	$69 - $1,010	78%
Hfn	$69 - $1,010	78%
Preferred Network Access	$69 - $1,010	78%
Managed Health Services	$92	103%
Molina Healthcare	$92	103%
Wellcare	$92	103%

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 $165.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 73130.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Beloit Health System is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 73130.
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.