Cost of a ER Visit (Low) Visit
in Indiana
Reviewed by Momentary Medical Group West PC
Indiana's emergency departments serve over 6.8 million residents across a state where rural communities often depend on critical access hospitals for low-severity emergency care. Patients seeking an ER Visit (Low) in Indiana typically pay between $57 and $171, with a median out-of-pocket cost of $88 based on negotiated insurance rates. With 879 active emergency providers across the state, patients can browse all ER Visit (Low) providers in Indiana to find the most cost-effective option for their needs.
Average
$105
Median
$88
Lowest
$57
Highest
$171
Providers
879
12% above national average
Compare Similar Procedures
How does er visit (low severity) compare to related procedures in Indiana?
| Procedure | CPT | Low | Median | High | Providers |
|---|---|---|---|---|---|
| ER Visit (Moderate Severity) Emergency department visit, moderate severity | 99284 | $80 | $88 | $258 | 965 |
| ER Visit (High Severity) Emergency department visit, high severity | 99285 | $85 | $88 | $298 | 888 |
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 99283 — Emergency department visit, low to moderate severity). 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 99283 covers
Data source: Cost figures are derived from UnitedHealthcare Transparency in Coverage machine-readable files for CPT code 99283 (Emergency department visit, low to moderate severity), as mandated by the CMS Price Transparency Rule.
What CPT 99283 covers: the provider's professional fee for er visit (low severity). 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 Hospitals in Indiana
These hospitals in Indiana are top-rated for patient satisfaction. Review data sourced from HCAHPS Patient Survey.
INDIANAPOLIS, IN
MISHAWAKA, IN
CROWN POINT, IN
BREMEN, IN
Hospital ratings are based on HCAHPS (Hospital Consumer Assessment of Healthcare Providers and Systems) survey data published by CMS.
Why ER Visit (Low) Visit Costs Vary Across Indiana
Indiana's healthcare costs run approximately 6% below national averages, reflecting the state's lower cost of living and competitive provider market. The growing ambulatory surgery center market creates additional options for patients, though emergency care remains concentrated in traditional hospital settings.
Urban vs. Rural Provider Availability
Indianapolis and Fort Wayne offer multiple emergency department options with competitive pricing, while rural Indiana counties often depend on single critical access hospitals that may charge higher rates due to limited competition. The state's agricultural regions face longer transport times to emergency care, sometimes leading patients to choose closer but more expensive options. Northern Indiana's proximity to Chicago creates cross-border healthcare competition that can benefit patients near the Illinois border.
Facility Type and Overhead Costs
Large health systems like Indiana University Health and Ascension St. Vincent operate most emergency departments in Indiana, with higher overhead costs reflected in facility fees. Independent community hospitals typically offer lower base rates for ER Visit (Low) cases but may have limited diagnostic capabilities. Freestanding emergency departments are growing in Indiana's suburban areas, offering middle-ground pricing between hospital EDs and urgent care centers.
Insurance Market Competition in Indiana
Anthem Blue Cross Blue Shield holds significant market share in Indiana, followed by UnitedHealthcare and regional insurer MDwise, creating moderate competition for negotiated rates. The state's insurance market concentration means fewer plan options compared to larger states, potentially limiting price competition. Rural areas often have fewer insurer choices, which can result in higher negotiated rates for emergency services due to reduced market pressure.
Physician Supply and Demand in Indiana
With 879 active emergency providers serving 6.8 million residents, Indiana maintains adequate emergency physician coverage in most regions, though rural areas face periodic staffing shortages. The state's medical schools, including Indiana University School of Medicine, help supply emergency medicine residents, but many graduates leave for higher-paying markets. Physician supply adequacy in most urban areas helps contain costs, while rural shortages can drive up rates for ER Visit (Low) services due to locum tenens staffing needs.
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 — ER Visit (Low) Costs in Indiana
What is the average cost of a ER Visit (Low) visit in Indiana without insurance?
Does Indiana Medicaid cover ER Visit (Low) visits?
How do I find an affordable ER Visit (Low) 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 ER Visit (Low) visit in Indiana?
How does telemedicine affect the cost of seeing a ER Visit (Low) in Indiana?
Click a state to compare costs
Average Visit Cost
Office visit (CPT 99283)
Compare With Other States
| Rank | State | Average↓ |
|---|---|---|
| 1 | Pennsylvania Range: $47 – $693 | $271 |
| 2 | Wisconsin Range: $56 – $355 | $180 |
| 3 | Illinois Range: $57 – $252 | $133 |
| 4 | Maine Range: $86 – $184 | $131 |
| 5 | New Hampshire Range: $59 – $204 | $130 |
| 6 | Michigan Range: $54 – $252 | $126 |
| 7 | Iowa Range: $44 – $218 | $119 |
| 8 | Rhode Island Range: $40 – $204 | $111 |
| 9 | California Range: $80 – $153 | $107 |
| 10 | Vermont Range: $53 – $171 | $107 |
| 11 | Indiana Range: $57 – $171 | $105 |
| 12 | New York Range: $47 – $202 | $105 |
| 13 | Washington Range: $57 – $167 | $101 |
| 14 | Colorado Range: $54 – $159 | $99 |
| 15 | Wyoming Range: $54 – $155 | $97 |
| 16 | Idaho Range: $60 – $142 | $96 |
| 17 | Nebraska Range: $44 – $171 | $95 |
| 18 | Massachusetts Range: $40 – $206 | $95 |
| 19 | Utah Range: $53 – $139 | $93 |
| 20 | District of Columbia Range: $49 – $142 | $92 |
| 21 | Maryland Range: $43 – $162 | $91 |
| 22 | Connecticut Range: $53 – $153 | $90 |
| 23 | Georgia Range: $53 – $143 | $90 |
| 24 | Alaska Range: $69 – $118 | $89 |
| 25 | New Mexico Range: $54 – $139 | $88 |
| 26 | Kentucky Range: $40 – $139 | $88 |
| 27 | Hawaii Range: $54 – $139 | $87 |
| 28 | Texas Range: $54 – $118 | $86 |
| 29 | North Carolina Range: $51 – $136 | $85 |
| 30 | New Jersey Range: $44 – $142 | $84 |
| 31 | South Carolina Range: $51 – $128 | $83 |
| 32 | Arkansas Range: $51 – $115 | $81 |
| 33 | Nevada Range: $60 – $108 | $81 |
| 34 | Alabama Range: $49 – $131 | $80 |
| 35 | Virginia Range: $47 – $119 | $79 |
| 36 | Arizona Range: $53 – $107 | $77 |
| 37 | Ohio Range: $43 – $117 | $77 |
| 38 | Minnesota Range: $40 – $145 | $75 |
| 39 | Tennessee Range: $51 – $105 | $75 |
| 40 | Oklahoma Range: $51 – $104 | $75 |
| 41 | Delaware Range: $60 – $90 | $74 |
| 42 | Missouri Range: $52 – $99 | $74 |
| 43 | Mississippi Range: $51 – $104 | $73 |
| 44 | Montana Range: $40 – $91 | $70 |
| 45 | Kansas Range: $51 – $91 | $70 |
| 46 | Florida Range: $35 – $110 | $67 |
| 47 | West Virginia Range: $40 – $115 | $65 |
| 48 | Louisiana Range: $40 – $87 | $63 |
| 49 | Oregon Range: $40 – $108 | $63 |
| 50 | North Dakota Range: $40 – $91 | $57 |
| 51 | South Dakota Range: $40 – $88 | $56 |