CMS Price Transparency Data

Urinalysis (automated, with microscopy)

Facility: Fhn Memorial Hospital

Billing Code: 81001 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 81001
Insurance Median: $77
Cash Discount Price: $89
vs. Medicare Baseline: 24.29x Medicare

The contracted insurance negotiated median rate for a Urinalysis (automated, with microscopy) at Fhn Memorial Hospital is $77. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $89. Compared to the federal Medicare reimbursement reference rate of $3.17, this hospital’s rate is 24.29x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$89

Average discount available for prompt cash payment at this facility.

Insurance Median

$77

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: $89 (2808%)

Insurance Median: $77 (2429%)

Cash: $89 (2808% of Medicare)

Ins. Median: $77 (2429% 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 2429% of the Medicare baseline (a markup of 2329%). 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	$2	63%
Aetna	$3 - $62	95%
Health Alliance Mcr Adv	$3	95%
Humana	$3 - $88	95%
Quartz Mcr Adv	$3	95%
UnitedHealthcare	$3 - $87	95%
The Alliance - All Plans	$67	2114%
Ecoh Nihp	$70	2208%
Nihp Employ - All Plans	$70	2208%
Quartz - All Other Plans	$72	2271%
Blue Cross Blue Shield	$75	2366%
Ecoh - All Other Plans	$75	2366%
Northern Il Hp - All Plans	$77	2429%
First Health - All Plans	$78	2461%
Hfn - All Plans	$91	2871%
First Choice Il - All Plans	$94	2965%
Multiplan Phcs - All Plans	$94	2965%
Wps - All Plans	$97	3060%
Galaxy - All Plans	$100	3155%
Health Alliance - All Other Plans	$100	3155%
Interplan Health - All Plans	$100	3155%
Preferred Plan Ppo - All Plans	$100	3155%
Trustmark - All Plans	$102	3218%
Midland Choice - All Plans	$105	3312%
Osf Healthplans - All Plans	$111	3502%

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 $89.
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 Fhn Memorial Hospital 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.