CMS Price Transparency Data

Blood test, calcium

Facility: Fhn Memorial Hospital

Billing Code: 82310 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82310
Insurance Median: $74
Cash Discount Price: $85
vs. Medicare Baseline: 14.34x Medicare

The contracted insurance negotiated median rate for a Blood test, calcium at Fhn Memorial Hospital is $74. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $85. Compared to the federal Medicare reimbursement reference rate of $5.16, this hospital’s rate is 14.34x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$85

Average discount available for prompt cash payment at this facility.

Insurance Median

$74

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5.16

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5.16 (100%)

Cash / Self-Pay: $85 (1647%)

Insurance Median: $74 (1434%)

Cash: $85 (1647% of Medicare)

Ins. Median: $74 (1434% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $5.16 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 1434% of the Medicare baseline (a markup of 1334%). 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
Meridian Health Plan - All Plans	$4	78%
Aetna	$5 - $59	97%
Health Alliance Mcr Adv	$5	97%
Humana	$5 - $84	97%
Quartz Mcr Adv	$5	97%
UnitedHealthcare	$5 - $82	97%
The Alliance - All Plans	$63	1221%
Ecoh Nihp	$67	1298%
Nihp Employ - All Plans	$67	1298%
Quartz - All Other Plans	$69	1337%
Blue Cross Blue Shield	$71	1376%
Ecoh - All Other Plans	$72	1395%
Northern Il Hp - All Plans	$73	1415%
First Health - All Plans	$74	1434%
Hfn - All Plans	$87	1686%
First Choice Il - All Plans	$90	1744%
Multiplan Phcs - All Plans	$90	1744%
Wps - All Plans	$92	1783%
Galaxy - All Plans	$95	1841%
Health Alliance - All Other Plans	$95	1841%
Interplan Health - All Plans	$95	1841%
Preferred Plan Ppo - All Plans	$95	1841%
Trustmark - All Plans	$97	1880%
Midland Choice - All Plans	$100	1938%
Osf Healthplans - All Plans	$106	2054%

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 $85.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82310.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Fhn Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 82310.
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.