Cost of a ER Visit (Moderate) Visit
in Indiana
Reviewed by Momentary Medical Group West PC
Indiana's healthcare market operates approximately 6% below national averages, offering residents more affordable access to emergency care across the state's mix of urban medical centers and rural hospitals. For a ER Visit (Moderate) in Indiana, patients typically encounter negotiated insurance rates between $80 and $258, with a median cost of $88 based on transparency data from nearly 1,000 active providers. Indiana maintains a substantial network of emergency departments and urgent care centers throughout its 92 counties, allowing patients to browse providers from Indianapolis's major health systems to smaller community hospitals in rural areas.
Average
$142
Median
$88
Lowest
$80
Highest
$258
Providers
965
0% above national average
Compare Similar Procedures
How does er visit (moderate severity) compare to related procedures in Indiana?
| Procedure | CPT | Low | Median | High | Providers |
|---|---|---|---|---|---|
| ER Visit (Low Severity) Emergency department visit, low severity | 99283 | $57 | $88 | $171 | 879 |
| 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 99284 — Emergency department visit, 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 99284 covers
Data source: Cost figures are derived from UnitedHealthcare Transparency in Coverage machine-readable files for CPT code 99284 (Emergency department visit, moderate severity), as mandated by the CMS Price Transparency Rule.
What CPT 99284 covers: the provider's professional fee for er visit (moderate 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 (Moderate) Visit Costs Vary Across Indiana
Indiana's healthcare costs run about 6% below national averages, reflecting the state's lower cost of living compared to coastal markets and a competitive mix of health systems spanning from Indianapolis's major medical centers to rural critical access hospitals. The state's geographic spread creates distinct cost patterns between urban corridors and agricultural communities.
Urban vs. Rural Provider Availability
Indianapolis and Fort Wayne maintain multiple hospital systems with 24/7 emergency departments, while Indiana's rural counties often rely on critical access hospitals or may require transfers for complex cases. This geographic distribution creates cost variations where rural facilities may have lower overhead but urban centers offer more comprehensive immediate services and specialist availability.
Facility Type and Overhead Costs
Indiana University Health, Ascension St. Vincent, and Community Health Network operate large hospital-based emergency departments with higher facility fees, while independent urgent care centers and freestanding emergency departments offer alternative cost structures. Hospital-owned facilities typically charge both physician fees and facility fees, increasing total costs compared to physician-owned practices.
Insurance Market Competition in Indiana
Anthem holds significant market share in Indiana alongside UnitedHealthcare and regional player MDwise, creating moderate insurer competition that affects negotiated rates with providers. This concentration means fewer insurance options in some Indiana counties, potentially limiting patients' ability to find lower-cost network alternatives for emergency care.
Physician Supply and Demand in Indiana
With nearly 1,000 providers handling moderate emergency visits statewide, Indiana maintains adequate emergency physician coverage in most regions, though rural areas face ongoing recruitment challenges. This provider distribution affects both access and pricing, with urban areas seeing more competitive rates while rural emergency departments may charge premium rates due to limited alternatives and higher overhead per patient.
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 (Moderate) Costs in Indiana
What is the average cost of a ER Visit (Moderate) visit in Indiana without insurance?
Does Indiana Medicaid cover ER Visit (Moderate) visits?
How do I find an affordable ER Visit (Moderate) 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 (Moderate) visit in Indiana?
How does telemedicine affect the cost of seeing a ER Visit (Moderate) in Indiana?
Click a state to compare costs
Average Visit Cost
Office visit (CPT 99284)
Compare With Other States
| Rank | State | Average↓ |
|---|---|---|
| 1 | Wisconsin Range: $73 – $647 | $311 |
| 2 | Illinois Range: $80 – $431 | $223 |
| 3 | Iowa Range: $80 – $371 | $205 |
| 4 | New Hampshire Range: $102 – $307 | $202 |
| 5 | Pennsylvania Range: $55 – $431 | $191 |
| 6 | New York Range: $67 – $374 | $183 |
| 7 | Rhode Island Range: $62 – $374 | $177 |
| 8 | Maine Range: $116 – $233 | $172 |
| 9 | Massachusetts Range: $62 – $368 | $170 |
| 10 | Nebraska Range: $83 – $291 | $165 |
| 11 | Washington Range: $80 – $259 | $161 |
| 12 | Michigan Range: $80 – $291 | $158 |
| 13 | New Mexico Range: $85 – $266 | $158 |
| 14 | Wyoming Range: $85 – $262 | $157 |
| 15 | Colorado Range: $80 – $267 | $157 |
| 16 | Vermont Range: $80 – $257 | $156 |
| 17 | Georgia Range: $84 – $246 | $151 |
| 18 | California Range: $80 – $258 | $142 |
| 19 | Indiana Range: $80 – $258 | $142 |
| 20 | Kentucky Range: $70 – $246 | $140 |
| 21 | North Carolina Range: $80 – $231 | $139 |
| 22 | District of Columbia Range: $80 – $217 | $138 |
| 23 | West Virginia Range: $62 – $174 | $137 |
| 24 | Utah Range: $80 – $228 | $135 |
| 25 | Maryland Range: $80 – $206 | $132 |
| 26 | New Jersey Range: $60 – $237 | $131 |
| 27 | Hawaii Range: $80 – $217 | $130 |
| 28 | Arkansas Range: $80 – $194 | $130 |
| 29 | Virginia Range: $81 – $202 | $129 |
| 30 | Tennessee Range: $85 – $187 | $128 |
| 31 | South Carolina Range: $80 – $206 | $128 |
| 32 | Ohio Range: $75 – $197 | $127 |
| 33 | Missouri Range: $85 – $167 | $124 |
| 34 | Alabama Range: $80 – $195 | $124 |
| 35 | Oklahoma Range: $85 – $169 | $123 |
| 36 | Kansas Range: $86 – $167 | $123 |
| 37 | Texas Range: $80 – $196 | $122 |
| 38 | Arizona Range: $80 – $187 | $122 |
| 39 | Mississippi Range: $86 – $165 | $121 |
| 40 | Idaho Range: $80 – $194 | $121 |
| 41 | Delaware Range: $80 – $157 | $120 |
| 42 | Minnesota Range: $62 – $233 | $119 |
| 43 | Nevada Range: $84 – $184 | $119 |
| 44 | Connecticut Range: $55 – $211 | $118 |
| 45 | Alaska Range: $80 – $194 | $118 |
| 46 | Louisiana Range: $62 – $150 | $104 |
| 47 | Oregon Range: $62 – $183 | $102 |
| 48 | Montana Range: $62 – $145 | $96 |
| 49 | Florida Range: $35 – $190 | $95 |
| 50 | North Dakota Range: $62 – $121 | $82 |
| 51 | South Dakota Range: $62 – $121 | $82 |