CMS Price Transparency Data

Blood test, cholesterol (lipid panel)

Facility: Banner Fort Collins Medical Center

Billing Code: 80061 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 80061
Insurance Median: $45
Cash Discount Price: $14
vs. Medicare Baseline: 3.36x Medicare

The contracted insurance negotiated median rate for a Blood test, cholesterol (lipid panel) at Banner Fort Collins Medical Center is $45. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $14. Compared to the federal Medicare reimbursement reference rate of $13.39, this hospital’s rate is 3.36x the Medicare baseline. Located in 4700 Lady Moon Dr, Fort Collins, CO.

Cash / Self-Pay

$14

Average discount available for prompt cash payment at this facility.

Insurance Median

$45

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$13.39

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $13.39 (100%)

Cash / Self-Pay: $14 (105%)

Insurance Median: $45 (336%)

Cash: $14 (105% of Medicare)

Ins. Median: $45 (336% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $13.39 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 336% of the Medicare baseline (a markup of 236%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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
Blue Cross Blue Shield	$13 - $27	97%
Cigna	$13	97%
Clear Spring Health	$13	97%
Healthspring Life & Health Insurance Company, Inc.	$13	97%
Medica	$13 - $57	97%
Medicare (plans)	$13	97%
UnitedHealthcare	$13 - $57	97%
Devoted Health Services	$14	105%
Humana	$14	105%
Longevity	$14	105%
Assist Health Group	$16	119%
Pinnacol Assurance Workers Comp	$21	157%
Banner Health	$22 - $28	164%
Denver Health Medical Plan	$24	179%
Centivo	$32	239%
Hue Health, Inc	$34 - $48	254%
Apostrophe, Inc.	$46 - $59	344%
Decent Health	$46 - $59	344%
Rocky Mountain Health Plans	$46 - $58	344%
Aetna	$47 - $61	351%
First Choice Health Network	$49 - $62	366%
First Choice Of The Midwest	$51 - $66	381%
Multiplan	$51 - $65	381%

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 $14.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 80061.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Banner Fort Collins Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 80061.
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.