CMS Price Transparency Data

Urinalysis (automated, with microscopy)

Facility: Franciscan Health Lafayette

Billing Code: 81001 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 81001
Insurance Median: $39
Cash Discount Price: $18
vs. Medicare Baseline: 12.30x Medicare

The contracted insurance negotiated median rate for a Urinalysis (automated, with microscopy) at Franciscan Health Lafayette is $39. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $18. Compared to the federal Medicare reimbursement reference rate of $3.17, this hospital’s rate is 12.30x the Medicare baseline. Located in 1701 S Creasy Ln, Lafayette, IN.

Cash / Self-Pay

$18

Average discount available for prompt cash payment at this facility.

Insurance Median

$39

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: $18 (568%)

Insurance Median: $39 (1230%)

Cash: $18 (568% of Medicare)

Ins. Median: $39 (1230% 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 1230% of the Medicare baseline (a markup of 1130%). 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	$2 - $3	63%
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 - $58	158%
Managed Care [2000]	$5 - $73	158%
Workers Comp [1172]	$6	189%
Commercial [2001]	$14 - $81	442%
UnitedHealthcare	$35 - $43	1104%
United Medical Resources [1158]	$39	1230%
United Medical Resources [1301]	$39 - $43	1230%
Humana	$55	1735%
Cigna	$56 - $65	1767%
Great West Insurance [1055]	$56	1767%

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 $18.
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 Lafayette 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.