CMS Price Transparency Data

Blood test, ferritin (iron stores)

Facility: St Vincent Heart Center

Billing Code: 82728 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82728
Insurance Median: $11
Cash Discount Price: $145
vs. Medicare Baseline: 0.81x Medicare

The contracted insurance negotiated median rate for a Blood test, ferritin (iron stores) at St Vincent Heart Center is $11. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $145. Compared to the federal Medicare reimbursement reference rate of $13.63, this hospital’s rate is 0.81x the Medicare baseline. Located in 10580 N Meridian St, Carmel, IN.

Cash / Self-Pay

$145

Average discount available for prompt cash payment at this facility.

Insurance Median

$11

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$13.63

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $13.63 (100%)

Cash / Self-Pay: $145 (1064%)

Insurance Median: $11 (81%)

Cash: $145 (1064% of Medicare)

Ins. Median: $11 (81% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $13.63 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.

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
Smarthealth Ppo	$5 - $16	37%
Smarthealth Ppo/Hdhp 20161001	$5 - $16	37%
Blue Cross Blue Shield	$6 - $18	44%
Encore Exclusive	$6	44%
Patoka Valley Tier 1	$6	44%
Patoka Valley Tier 2	$6	44%
UnitedHealthcare	$11	81%
Medicaid / KanCare	$14	103%
Mhs Care Connect	$14	103%
Humana	$31	227%

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 $145.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82728.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Vincent Heart Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 82728.
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.