Cost of a Heart Doctor Visit
in Indiana
Reviewed by Momentary Medical Group West PC
Indiana's healthcare market operates with moderate cardiac care costs despite lacking Medicaid expansion, with 12 active Heart Doctor providers serving the Hoosier State at rates ranking 45th nationally for affordability. Patients seeking cardiac care typically pay between $81 and $226, with a median out-of-pocket cost of $171 for specialist visits. Browse all Heart Doctor providers in Indiana to compare costs and find in-network options near you.
Average
$159
Median
$171
Lowest
$81
Highest
$226
Providers
12
22% above national average
Compare Similar Procedures
How does cardiologist visit compare to related procedures in Indiana?
| Procedure | CPT | Low | Median | High | Providers |
|---|---|---|---|---|---|
| Family Medicine Visit Standard office visit with a family medicine physician | 99214 | $80 | $88 | $202 | 76 |
| Internal Medicine Visit Standard office visit with an internist | 99214 | $74 | $91 | $209 | 114 |
Important: These are cost estimates only — not a quote and not medical advice.
The prices on this page are self-pay rates, drawn from federal Transparency in Coverage machine-readable files (CPT 99214 — Office/outpatient visit, established patient, moderate complexity). They represent what a patient might pay without insurance.
Your actual cost depends on: your specific insurance plan, your remaining deductible, your coinsurance percentage, whether you have met your out-of-pocket maximum, whether the facility and provider are both in-network, and any separate anesthesia or implant fees billed independently.
This page does not constitute medical advice. Whether you need this procedure, and which approach is right for you, is a decision to make with a licensed healthcare provider.
Where this data comes from & what CPT 99214 covers
Data source: Cost figures are derived from UnitedHealthcare Transparency in Coverage machine-readable files for CPT code 99214 (Office/outpatient visit, established patient, moderate complexity), as mandated by the CMS Price Transparency Rule.
What CPT 99214 covers: the provider's professional fee for cardiologist visit. It does not include facility/hospital fees, anesthesia, pre-operative imaging, post-operative care, or any add-on codes billed separately.
How to read this data
Negotiated Rate
The discounted price an insurer has agreed to pay a specific provider. Most insured patients' bills are calculated from this number, not the higher list price hospitals publish separately.
P5, Median, P95
P5 is the rate at the 5th percentile (low end), Median is the middle value, and P95 is the 95th percentile (high end). This range shows how much the same visit can vary between providers.
What this does not tell you
These rates do not tell you what you personally will pay out of pocket. That depends on your specific plan, how much of your deductible you have already met, your coinsurance rate, and whether the provider is in your network. Call your insurer's member line to get your exact estimate.
Top Rated Cardiologists in Indiana
Dr. Howard Morrison, MD
Cardiovascular Disease Physician · Indianapolis, IN
Dr. Felix Alva Valdes, MD
Cardiovascular Disease Physician · Noblesville, IN
Dr. J. Gimbel, MD
Cardiovascular Disease Physician · Fort Wayne, IN
Dr. Scott Mattson, DO
Cardiovascular Disease Physician · Fort Wayne, IN
Dr. Scott Sharp, MD
Cardiovascular Disease Physician · Indianapolis, IN
Why Heart Doctor Visit Costs Vary Across Indiana
Indiana's cardiac care costs run approximately 6% below national averages, reflecting the state's moderate cost of living and growing ambulatory surgery center market that increases competition among providers. The concentration of healthcare resources around Indianapolis and Fort Wayne creates cost disparities compared to rural counties where limited provider options may drive prices higher.
Urban vs. Rural Provider Availability
Indianapolis metro area contains the majority of Indiana's 12 Heart Doctor providers, with additional specialists concentrated in Fort Wayne, Evansville, and South Bend, leaving rural counties significantly underserved. Patients in rural Indiana often travel 50+ miles for cardiac care, adding transportation costs but potentially accessing lower facility fees at independent practices. Telehealth expansion has improved access but cannot replace in-person diagnostic procedures.
Facility Type and Overhead Costs
Hospital-owned cardiology practices, particularly those affiliated with Indiana University Health and Ascension St. Vincent, typically charge higher facility fees compared to independent practices throughout the state. Academic medical centers in Indianapolis command premium rates but offer subspecialty expertise unavailable elsewhere in Indiana. Independent practices often provide more competitive pricing but may lack advanced diagnostic equipment.
Insurance Market Competition in Indiana
Three major insurers dominate Indiana's market with Anthem holding significant market share, UHC serving employer groups, and MDwise focusing on Medicaid and individual plans, creating moderate competition that helps control negotiated rates. The absence of robust insurer competition in rural markets allows providers more pricing power outside metropolitan areas. State insurance regulations provide basic consumer protections but limited rate review authority.
Physician Supply and Demand in Indiana
With only 12 active Heart Doctor providers serving Indiana's 6.8 million residents, the state faces a notable cardiology shortage that contributes to longer wait times and sustained pricing power for existing specialists. The concentration of providers around Indianapolis creates access challenges for patients in northern and southern Indiana counties. Limited residency positions at Indiana University School of Medicine restricts the pipeline of new cardiologists entering practice in the state.
Cost by Procedure Type
Cardiologist Visit can be billed under different CPT codes depending on what's done during the procedure in Indiana.
Follow-up, low complexity
Follow-up, moderate complexity
Follow-up, high complexity
New patient, low complexity
New patient, moderate complexity
New patient, high complexity
Costs shown are median negotiated rates. Your actual cost depends on your insurance plan and provider.
Jayant Panwar
CEO, Momentary Labs · San Francisco, CA
Jayant has analyzed healthcare pricing data from CMS Transparency in Coverage files since 2022, covering more than 50 million negotiated rate records across all 50 states. His work focuses on making insurer machine-readable files accessible to patients and researchers.
The cost figures on this page reflect his ongoing work to make this data accessible to patients.
Frequently Asked Questions — Heart Doctor Costs in Indiana
What is the average cost of a Heart Doctor visit in Indiana without insurance?
Does Indiana Medicaid cover Heart Doctor visits?
How do I find an affordable Heart Doctor near me in Indiana?
What is the difference in cost between an initial consultation and a follow-up visit?
Can I use an HSA or FSA to pay for a Heart Doctor visit in Indiana?
How does telemedicine affect the cost of seeing a Heart Doctor in Indiana?
Click a state to compare costs
Average Visit Cost
Office visit (CPT 99214)
Compare With Other States
| Rank | State | Average↓ |
|---|---|---|
| 1 | Maine Range: $114 – $255 | $208 |
| 2 | Iowa Range: $80 – $274 | $187 |
| 3 | Indiana Range: $81 – $226 | $159 |
| 4 | Massachusetts Range: $80 – $271 | $157 |
| 5 | Minnesota Range: $80 – $250 | $157 |
| 6 | Arkansas Range: $74 – $226 | $152 |
| 7 | Illinois Range: $70 – $226 | $150 |
| 8 | Colorado Range: $64 – $257 | $143 |
| 9 | Georgia Range: $75 – $216 | $142 |
| 10 | Connecticut Range: $93 – $207 | $131 |
| 11 | Missouri Range: $72 – $198 | $127 |
| 12 | Hawaii Range: $70 – $203 | $124 |
| 13 | District of Columbia Range: $71 – $194 | $122 |
| 14 | Florida Range: $67 – $200 | $121 |
| 15 | Michigan Range: $66 – $204 | $119 |
| 16 | Maryland Range: $57 – $194 | $116 |
| 17 | Idaho Range: $90 – $150 | $110 |
| 18 | Kentucky Range: $79 – $170 | $110 |
| 19 | Kansas Range: $65 – $151 | $109 |
| 20 | Arizona Range: $65 – $154 | $100 |
| 21 | Mississippi Range: $75 – $133 | $99 |
| 22 | Montana Range: $80 – $136 | $99 |
| 23 | Louisiana Range: $80 – $120 | $96 |
| 24 | Alabama Range: $69 – $128 | $92 |
| 25 | Delaware Range: $80 – $100 | $87 |
| 26 | Alaska Range: $80 – $80 | $80 |