CMS Price Transparency Data

Culture, bacterial

Facility: Franciscan Health Lafayette

Billing Code: 87070 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87070
Insurance Median: $139
Cash Discount Price: $63
vs. Medicare Baseline: 16.13x Medicare

The contracted insurance negotiated median rate for a Culture, bacterial at Franciscan Health Lafayette is $139. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $63. Compared to the federal Medicare reimbursement reference rate of $8.62, this hospital’s rate is 16.13x the Medicare baseline. Located in 1701 S Creasy Ln, Lafayette, IN.

Cash / Self-Pay

$63

Average discount available for prompt cash payment at this facility.

Insurance Median

$139

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: $63 (731%)

Insurance Median: $139 (1613%)

Cash: $63 (731% of Medicare)

Ins. Median: $139 (1613% 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 1613% of the Medicare baseline (a markup of 1513%). 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	$7 - $9	81%
Mdwise [1175]	$9	104%
Medicaid / KanCare	$9 - $10	104%
Medicare (plans)	$9	104%
Unicare [1150]	$9	104%
Managed Health Services [1302]	$10	116%
Workers Comp [1172]	$17	197%
Commercial [2001]	$39 - $287	452%
Managed Care [2000]	$39 - $258	452%
Aetna	$118 - $207	1369%
UnitedHealthcare	$125 - $153	1450%
United Medical Resources [1158]	$139	1613%
United Medical Resources [1301]	$139 - $153	1613%
Humana	$194	2251%
Cigna	$197 - $230	2285%
Great West Insurance [1055]	$197	2285%

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 $63.
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 Franciscan Health Lafayette 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.