Medical Procedure Costs in Florida
Florida Medicare physician rates are generally above the national average (+4.0%). CMS uses 3 localities here, so a ZIP matters.
Look up any CPT in Florida
Featured table below is 59 procedures. Search covers 7,500+ fee-schedule codes.
What these numbers are
Every figure on this page is a 2026 Medicare allowed amount: the physician line comes from the Physician Fee Schedule adjusted by geographic practice-cost indices, and the facility totals come from the CMS hospital outpatient (OPPS) and ambulatory surgery centre rates. None of them is a hospital chargemaster price, your insurer's contracted rate, or a quote. Anesthesia, pathology, imaging reads and follow-up care are billed under their own codes when they apply, and an inpatient stay is paid a different way again. These Florida averages are unweighted means of the state’s localities, not population-weighted.
How Medicare prices Florida
Florida is split into a handful of Medicare payment localities rather than priced statewide: Miami carries its own high-cost locality, the Fort Lauderdale area is separately priced, and the remainder of the state, from Jacksonville to the Panhandle, shares rest-of-state pricing. That structure means South Florida procedures carry higher Medicare-approved amounts than identical care in Orlando, Tampa, or rural North Florida. The Miami locality in particular ranks among the more expensive in the eastern United States. For a state with this many Medicare beneficiaries, knowing which locality your ZIP falls in is genuinely useful.
Florida has the nation's most Medicare-driven health economy, and its markets are intensely competitive in the big retiree corridors along both coasts. South Florida is known for high utilization and a dense supply of specialists, while inland and Panhandle counties can be thin on subspecialty care. Seasonal residents should note that prices follow where care is delivered, so a winter procedure in Naples prices differently than one back home up north.
Because Florida uses multiple localities, check your ZIP code specifically, whether you are in Miami, Fort Lauderdale, West Palm Beach, Orlando, Tampa Bay, Jacksonville, or the Panhandle.
Florida payment localities (GPCI)
| Locality | Work | PE |
|---|---|---|
| fort lauderdale | 1.000 | 1.013 |
| miami | 1.000 | 1.041 |
| rest of florida | 1.000 | 0.956 |
GPCI of 1.000 equals the national average. Higher PE GPCI raises office-based procedures more than hospital physician lines.
Featured physician rates in Florida
Office (non-facility) physician rates. Open a row for the locality table and ZIP tool.
Other states
Medical costs in Florida: questions
Across the 59 featured procedures on this page, Florida sits above the national average by about 4%. Examples: incision & drainage of abscess $133, skin biopsy (tangential) $98, skin biopsy (punch) $124. Search any other CPT in the box above — those codes are in the tool, not as extra Florida articles.
Florida has 3 payment localities. Practice-expense GPCI runs from 0.956 to 1.041 (1.000 is the national average). Because Florida uses multiple localities, check your ZIP code specifically, whether you are in Miami, Fort Lauderdale, West Palm Beach, Orlando, Tampa Bay, Jacksonville, or the Panhandle.
Medicare physician allowed amounts only — the professional fee after GPCI. They do not include hospital facility charges, anesthesia, or your plan’s contracted rate. Medicare patients typically owe 20% of the allowed amount after the Part B deductible, before Medigap.
Yes. The table is the featured set (59 procedures). The search box looks up 7,500+ payable codes from the 2026 fee schedule and applies Florida’s locality when you enter a ZIP.