CMS Price Transparency Data

Blood test, basic metabolic panel

Facility: Waverly Health Center

Billing Code: 80048 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 80048
Insurance Median: $44
Cash Discount Price: $43
vs. Medicare Baseline: 5.20x Medicare

The contracted insurance negotiated median rate for a Blood test, basic metabolic panel at Waverly Health Center is $44. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $43. Compared to the federal Medicare reimbursement reference rate of $8.46, this hospital’s rate is 5.20x the Medicare baseline. Located in 312 9Th Street Sw, Waverly, IA.

Cash / Self-Pay

$43

Average discount available for prompt cash payment at this facility.

Insurance Median

$44

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: $43 (508%)

Insurance Median: $44 (520%)

Cash: $43 (508% of Medicare)

Ins. Median: $44 (520% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 520% of the Medicare baseline (a markup of 420%). 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
Choicecare Network - All Plans	$3 - $41	35%
UnitedHealthcare	$3 - $75	35%
Medicare (plans)	$4 - $46	47%
Midlands Choice Mcare	$4 - $46	47%
Hlth Partners Bridges Ntwrk	$6 - $74	71%
Hlth Partners Open Ntwrk - All Other Plans	$6 - $74	71%
Aetna	$8 - $91	95%
Health Alliance-All Plans	$8 - $96	95%
Midlands Choice-All Other Plans	$8 - $96	95%
Wellmark Hmo	$57	674%
Wellmark Ppo - All Other Plans	$62	733%

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 $43.
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 Waverly Health Center 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.