CMS Price Transparency Data

Blood test, hemoglobin

Facility: Banner Fort Collins Medical Center

Billing Code: 85018 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 85018
Insurance Median: $7
Cash Discount Price: $6
vs. Medicare Baseline: 2.95x Medicare

The contracted insurance negotiated median rate for a Blood test, hemoglobin at Banner Fort Collins Medical Center is $7. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $6. Compared to the federal Medicare reimbursement reference rate of $2.37, this hospital’s rate is 2.95x the Medicare baseline. Located in 4700 Lady Moon Dr, Fort Collins, CO.

Cash / Self-Pay

Average discount available for prompt cash payment at this facility.

Insurance Median

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$2.37

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $2.37 (100%)

Cash / Self-Pay: $6 (253%)

Insurance Median: $7 (295%)

Cash: $6 (253% of Medicare)

Ins. Median: $7 (295% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $2.37 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 295% of the Medicare baseline (a markup of 195%). 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	$2 - $5	84%
Cigna	$2	84%
Clear Spring Health	$2	84%
Devoted Health Services	$2	84%
Healthspring Life & Health Insurance Company, Inc.	$2	84%
Humana	$2	84%
Longevity	$2	84%
Medica	$2 - $50	84%
Medicare (plans)	$2	84%
UnitedHealthcare	$2 - $50	84%
Assist Health Group	$3	127%
Banner Health	$3 - $25	127%
Denver Health Medical Plan	$4	169%
Pinnacol Assurance Workers Comp	$4	169%
Centivo	$6	253%
Hue Health, Inc	$6 - $42	253%
Aetna	$7 - $53	295%
Apostrophe, Inc.	$7 - $51	295%
Decent Health	$7 - $51	295%
First Choice Health Network	$7 - $54	295%
Rocky Mountain Health Plans	$7 - $51	295%
First Choice Of The Midwest	$8 - $57	338%
Multiplan	$8 - $56	338%

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 $6.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 85018.

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 85018.
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.