CMS Price Transparency Data

Culture, bacterial

Facility: St Luke's Wood River Medical Center

Billing Code: 87070 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87070
Insurance Median: $37
Cash Discount Price: $52
vs. Medicare Baseline: 4.29x Medicare

The contracted insurance negotiated median rate for a Culture, bacterial at St Luke's Wood River Medical Center is $37. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $52. Compared to the federal Medicare reimbursement reference rate of $8.62, this hospital’s rate is 4.29x the Medicare baseline. Located in 100 Hospital Drive, Ketchum, ID.

Cash / Self-Pay

$52

Average discount available for prompt cash payment at this facility.

Insurance Median

$37

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$8.62

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $8.62 (100%)

Cash / Self-Pay: $52 (603%)

Insurance Median: $37 (429%)

Cash: $52 (603% of Medicare)

Ins. Median: $37 (429% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $8.62 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 429% of the Medicare baseline (a markup of 329%). 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	$22 - $56	255%
Commercial [1028]	$22 - $64	255%
Medicare (plans)	$22 - $38	255%
Veterans Affairs [1056]	$22 - $38	255%
UnitedHealthcare	$23 - $60	267%
Aetna	$24 - $63	278%
Moda [1055]	$33 - $58	383%
Geha [1065]	$34 - $60	394%
United Medical Resources [1051]	$34 - $60	394%
Cigna	$35 - $61	406%
Providence [1022]	$35 - $61	406%
First Health [1064]	$36 - $64	418%
Pacificsource [1020]	$36 - $62	418%
Webtpa [1071]	$36 - $63	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 $52.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 87070.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Luke's Wood River Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 87070.
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.