CMS Price Transparency Data

Blood test, basic metabolic panel

Facility: Decatur Morgan Hospital - Decatur Campus

Billing Code: 80048 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 80048
Insurance Median: $9
Cash Discount Price: $59
vs. Medicare Baseline: 1.06x Medicare

The contracted insurance negotiated median rate for a Blood test, basic metabolic panel at Decatur Morgan Hospital - Decatur Campus is $9. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $59. Compared to the federal Medicare reimbursement reference rate of $8.46, this hospital’s rate is 1.06x the Medicare baseline. Located in 1201 7Th Street Se, Decatur, AL.

Cash / Self-Pay

$59

Average discount available for prompt cash payment at this facility.

Insurance Median

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$8.46

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $8.46 (100%)

Cash / Self-Pay: $59 (697%)

Insurance Median: $9 (106%)

Cash: $59 (697% of Medicare)

Ins. Median: $9 (106% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $8.46 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Cigna	$6 - $7	71%
Blue Cross Blue Shield	$8 - $18	95%
Humana	$8	95%
UnitedHealthcare	$8 - $9	95%
Viva	$8 - $32	95%
Aetna	$9 - $46	106%
Devoted Health Inc	$9	106%
Wellcare	$9	106%
Ambetter / Centene	$17	201%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $59.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 80048.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Decatur Morgan Hospital - Decatur Campus is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 80048.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.