CMS Price Transparency Data

Office visit, established patient (20-29 min)

Facility: Aurora Medical Center Bay Area

Billing Code: 99213 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 99213
Insurance Median: $90
Cash Discount Price: $225
vs. Medicare Baseline: 0.95x Medicare

The contracted insurance negotiated median rate for a Office visit, established patient (20-29 min) at Aurora Medical Center Bay Area is $90. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $225. Compared to the federal Medicare reimbursement reference rate of $95.19, this hospital’s rate is 0.95x the Medicare baseline. Located in 3003 University Dr, Marinette, WI.

Cash / Self-Pay

$225

Average discount available for prompt cash payment at this facility.

Insurance Median

$90

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: $225 (236%)

Insurance Median: $90 (95%)

Cash: $225 (236% of Medicare)

Ins. Median: $90 (95% 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
Common Ground	$65	68%
Quartz One	$70	74%
Healthpartners	$74 - $338	78%
Molina Exchange	$74	78%
Everpointe Elite	$75	79%
Centivo	$76	80%
Aetna	$78 - $372	82%
Aurora Caregiver	$80	84%
Quartz Group	$80	84%
UnitedHealthcare	$82 - $379	86%
Blue Cross Blue Shield	$87 - $315	91%
Hs Technology	$90	95%
Wisconsin Physician Service	$90 - $95	95%
Cigna	$100 - $381	105%
Health Payment Systems	$115	121%
Trilogy	$116	122%
Health Eos Plus	$270	284%
Health Eos	$360	378%

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 $225.
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 Aurora Medical Center Bay Area 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.