CMS Price Transparency Data

Urinalysis (automated, with microscopy)

Facility: Franciscan Health Michigan City

Billing Code: 81001 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 81001
Insurance Median: $83
Cash Discount Price: $29
vs. Medicare Baseline: 26.18x Medicare

The contracted insurance negotiated median rate for a Urinalysis (automated, with microscopy) at Franciscan Health Michigan City is $83. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $29. Compared to the federal Medicare reimbursement reference rate of $3.17, this hospital’s rate is 26.18x the Medicare baseline. Located in 3500 Franciscan Way, Michigan City, IN.

Cash / Self-Pay

$29

Average discount available for prompt cash payment at this facility.

Insurance Median

$83

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: $29 (915%)

Insurance Median: $83 (2618%)

Cash: $29 (915% of Medicare)

Ins. Median: $83 (2618% 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 2618% of the Medicare baseline (a markup of 2518%). 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	$3 - $70	95%
Mdwise [1175]	$3	95%
Medicaid / KanCare	$3 - $4	95%
Medicare (plans)	$3	95%
Unicare [1150]	$3	95%
Managed Health Services [1302]	$4	126%
Aetna	$5 - $10	158%
Managed Care [2000]	$5 - $125	158%
Workers Comp [1172]	$6	189%
Commercial [2001]	$14 - $139	442%
Cigna	$59 - $97	1861%
United Medical Resources [1158]	$83	2618%
United Medical Resources [1301]	$83 - $93	2618%
UnitedHealthcare	$83 - $93	2618%
Great West Insurance [1055]	$84	2650%

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 $29.
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 Franciscan Health Michigan City 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.