CMS Price Transparency Data

Blood test, clotting time (PT/INR)

Facility: Monroe County Hospital

Billing Code: 85610 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 85610
Insurance Median: $32
Cash Discount Price: $40
vs. Medicare Baseline: 7.46x Medicare

The contracted insurance negotiated median rate for a Blood test, clotting time (PT/INR) at Monroe County Hospital is $32. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $40. Compared to the federal Medicare reimbursement reference rate of $4.29, this hospital’s rate is 7.46x the Medicare baseline. Located in 6580 165Th Street, Albia, IA.

Cash / Self-Pay

$40

Average discount available for prompt cash payment at this facility.

Insurance Median

$32

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$4.29

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $4.29 (100%)

Cash / Self-Pay: $40 (932%)

Insurance Median: $32 (746%)

Cash: $40 (932% of Medicare)

Ins. Median: $32 (746% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $4.29 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 746% of the Medicare baseline (a markup of 646%). 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
Va Ccn - All Plans	$3	70%
Wellmark Hmo	$5	117%
Wellmark Ppo - All Other Plans	$5	117%
Amerigroup Mcare	$8 - $32	186%
Humana	$8 - $32	186%
Mahp Mcare - All Plans	$8 - $32	186%
Tricare	$8 - $32	186%
UnitedHealthcare	$8 - $72	186%
Wellmark Mcare	$8 - $32	186%
Aetna	$9 - $71	210%
Amerigroup Mcaid - All Other Plans	$10 - $39	233%
Iowa Total Care Mcaid - All Plans	$10 - $38	233%
Molina Mcaid - All Plans	$10 - $39	233%
Centivo - All Plans	$13 - $48	303%
Midlands Choice - All Plans	$14 - $53	326%
Preferred Hlth - All Plans	$15 - $57	350%
Geha - All Plans	$16 - $61	373%
Multiplan - All Plans	$18 - $68	420%
Integrated Hp - All Plans	$19 - $74	443%

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 $40.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 85610.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Monroe County Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 85610.
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.