CMS Price Transparency Data

Blood test, ferritin (iron stores)

Facility: Banner Fort Collins Medical Center

Billing Code: 82728 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82728
Insurance Median: $51
Cash Discount Price: $20
vs. Medicare Baseline: 3.74x Medicare

The contracted insurance negotiated median rate for a Blood test, ferritin (iron stores) at Banner Fort Collins Medical Center is $51. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $20. Compared to the federal Medicare reimbursement reference rate of $13.63, this hospital’s rate is 3.74x the Medicare baseline. Located in 4700 Lady Moon Dr, Fort Collins, CO.

Cash / Self-Pay

$20

Average discount available for prompt cash payment at this facility.

Insurance Median

$51

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$13.63

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $13.63 (100%)

Cash / Self-Pay: $20 (147%)

Insurance Median: $51 (374%)

Cash: $20 (147% of Medicare)

Ins. Median: $51 (374% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $13.63 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 374% of the Medicare baseline (a markup of 274%). 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
UnitedHealthcare	$13 - $98	95%
Blue Cross Blue Shield	$14 - $27	103%
Cigna	$14	103%
Clear Spring Health	$14	103%
Devoted Health Services	$14	103%
Healthspring Life & Health Insurance Company, Inc.	$14	103%
Humana	$14	103%
Longevity	$14	103%
Medica	$14 - $99	103%
Medicare (plans)	$14	103%
Assist Health Group	$16	117%
Pinnacol Assurance Workers Comp	$21	154%
Denver Health Medical Plan	$24	176%
Banner Health	$25 - $49	183%
Centivo	$33	242%
Hue Health, Inc	$35 - $83	257%
Apostrophe, Inc.	$51 - $101	374%
Decent Health	$51 - $101	374%
Rocky Mountain Health Plans	$51 - $100	374%
Aetna	$53 - $105	389%
First Choice Health Network	$54 - $107	396%
Multiplan	$56 - $112	411%
First Choice Of The Midwest	$57 - $113	418%

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 $20.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82728.

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 82728.
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.