CMS Price Transparency Data

Urinalysis (automated, with microscopy)

Facility: Memorial Hospital, The

Billing Code: 81001 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 81001
Insurance Median: $70
Cash Discount Price: $54
vs. Medicare Baseline: 22.08x Medicare

The contracted insurance negotiated median rate for a Urinalysis (automated, with microscopy) at Memorial Hospital, The is $70. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $54. Compared to the federal Medicare reimbursement reference rate of $3.17, this hospital’s rate is 22.08x the Medicare baseline. Located in 750 Hospital Loop, Craig, CO.

Cash / Self-Pay

$54

Average discount available for prompt cash payment at this facility.

Insurance Median

$70

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$3.17

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $3.17 (100%)

Cash / Self-Pay: $54 (1703%)

Insurance Median: $70 (2208%)

Cash: $54 (1703% of Medicare)

Ins. Median: $70 (2208% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $3.17 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 2208% of the Medicare baseline (a markup of 2108%). 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	$31 - $83	978%
Care Advantage	$31 - $83	978%
Cvs Caremark-Part D	$31 - $83	978%
Kaiser	$31 - $83	978%
Rmhp Dualcare	$31 - $83	978%
Allegiance	$70	2208%
Cigna	$70	2208%
Geha	$70	2208%
Golden Rule Ins	$70	2208%
Great West Hlthcare	$70	2208%
Health Partners	$70	2208%
UnitedHealthcare	$70 - $83	2208%
Aetna	$72 - $83	2271%
Multiplan Inc Ppo	$76 - $79	2397%
First Health Other	$79	2492%
Denver Health	$83	2618%
Humana	$83	2618%

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 $54.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 81001.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Memorial Hospital, The is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 81001.
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.