CMS Price Transparency Data

Culture, blood

Facility: Carle Eureka Hospital

Billing Code: 87040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87040
Insurance Median: $70
Cash Discount Price: $158
vs. Medicare Baseline: 6.78x Medicare

The contracted insurance negotiated median rate for a Culture, blood at Carle Eureka Hospital is $70. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $158. Compared to the federal Medicare reimbursement reference rate of $10.32, this hospital’s rate is 6.78x the Medicare baseline. Located in 101 S Major St, Eureka, IL.

Cash / Self-Pay

$158

Average discount available for prompt cash payment at this facility.

Insurance Median

$70

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$10.32

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $10.32 (100%)

Cash / Self-Pay: $158 (1531%)

Insurance Median: $70 (678%)

Cash: $158 (1531% of Medicare)

Ins. Median: $70 (678% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $10.32 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 678% of the Medicare baseline (a markup of 578%). 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
Aetna	$9 - $137	87%
Humana	$9 - $94	87%
Wellcare	$10	97%
Meridian	$11 - $100	107%
Molina	$21 - $100	203%
UnitedHealthcare	$48 - $128	465%
Community Partners Health Plan (Cphp)	$64 - $125	620%
Cigna	$66 - $129	640%
Healthlink	$70 - $135	678%
Blue Cross Blue Shield	$72 - $175	698%
Multiplan/Phcs	$80 - $156	775%

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 $158.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 87040.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Carle Eureka Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 87040.
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.