Cost of a Heart Doctor Visit
in Kentucky
Reviewed by Momentary Medical Group West PC
Kentucky's Medicaid expansion has improved cardiac care access across the Commonwealth, yet the state continues to face heart disease mortality rates above the national average. Heart Doctor visits in Kentucky cost between $79 and $170, with patients typically paying a median out-of-pocket cost of $80 - ranking the state #1 nationally for affordability. With 15 active Heart Doctor providers serving the Bluegrass State's 4.5 million residents, patients can browse all available cardiac specialists to find the most cost-effective option for their care.
Average
$110
Median
$80
Lowest
$79
Highest
$170
Providers
15
16% below national average
Compare Similar Procedures
How does cardiologist visit compare to related procedures in Kentucky?
| Procedure | CPT | Low | Median | High | Providers |
|---|---|---|---|---|---|
| Family Medicine Visit Standard office visit with a family medicine physician | 99214 | $80 | $80 | $170 | 104 |
| Internal Medicine Visit Standard office visit with an internist | 99214 | $80 | $85 | $201 | 106 |
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 Kentucky
Dr. Krishnan Challappa, MD
Cardiovascular Disease Physician · Elizabethtown, KY
Dr. Anil Mani, MD
Cardiovascular Disease Physician · Paducah, KY
Dr. James Kammerling, MD
Cardiovascular Disease Physician · Louisville, KY
Dr. Rebecca Mcfarland, MD
Cardiovascular Disease Physician · Louisville, KY
Dr. Koduvathara James, MD
Cardiovascular Disease Physician · Louisville, KY
Why Heart Doctor Visit Costs Vary Across Kentucky
Kentucky's Heart Doctor visit costs run approximately 5% below the national average, reflecting the state's lower cost of living and competitive insurance market dynamics. The Commonwealth's healthcare landscape balances urban medical centers in Louisville and Lexington against significant rural access challenges in Appalachian counties.
Urban vs. Rural Provider Availability
Louisville and Lexington concentrate most of Kentucky's cardiac specialists, with rural counties often requiring 1-2 hour drives for specialty care. Eastern Kentucky's mountainous terrain and persistent physician shortages create access barriers that drive some patients toward telehealth consultations or traveling to urban centers. The state's 15 active Heart Doctor providers serve a population of 4.5 million, indicating potential capacity constraints in certain regions.
Facility Type and Overhead Costs
Hospital-owned cardiac clinics affiliated with Norton Healthcare, Baptist Health, or UK HealthCare typically charge higher facility fees compared to independent cardiology practices. Kentucky's certificate-of-need laws historically limited hospital expansion, creating pockets of market concentration that can influence pricing. Independent practices in smaller cities often operate with lower overhead costs, reflected in the state's competitive rate structure.
Insurance Market Competition in Kentucky
Anthem Blue Cross Blue Shield, UnitedHealthcare, and Humana maintain robust competition across Kentucky's insurance marketplace, preventing excessive rate concentration. The state's moderate market dynamics allow multiple insurers to negotiate competitive rates with cardiac providers. Kentucky's lack of a dominant single insurer creates pricing pressure that benefits patients through lower negotiated rates.
Physician Supply and Demand in Kentucky
Kentucky's 15 active Heart Doctor providers represent approximately 3.3 cardiologists per 100,000 residents, below the national average and indicating potential supply constraints. The University of Kentucky and University of Louisville medical schools help train cardiac specialists, though many graduates leave for higher-paying markets. This limited supply in rural areas drives some patients toward Louisville or Lexington for cardiac care, though it hasn't dramatically inflated prices due to competitive insurance negotiations.
Cost by Procedure Type
Cardiologist Visit can be billed under different CPT codes depending on what's done during the procedure in Kentucky.
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 Kentucky
What is the average cost of a Heart Doctor visit in Kentucky without insurance?
Does Kentucky Medicaid cover Heart Doctor visits?
How do I find an affordable Heart Doctor near me in Kentucky?
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 Kentucky?
How does telemedicine affect the cost of seeing a Heart Doctor in Kentucky?
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 |