CMS Price Transparency Data

Blood test, hemoglobin

Facility: Franciscan Health Indianapolis

Billing Code: 85018 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 85018
Insurance Median: $4
Cash Discount Price: $15
vs. Medicare Baseline: 1.69x Medicare

The contracted insurance negotiated median rate for a Blood test, hemoglobin at Franciscan Health Indianapolis is $4. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $15. Compared to the federal Medicare reimbursement reference rate of $2.37, this hospital’s rate is 1.69x the Medicare baseline. Located in 8111 S Emerson Ave, Indianapolis, IN.

Cash / Self-Pay

$15

Average discount available for prompt cash payment at this facility.

Insurance Median

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$2.37

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $2.37 (100%)

Cash / Self-Pay: $15 (633%)

Insurance Median: $4 (169%)

Cash: $15 (633% of Medicare)

Ins. Median: $4 (169% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $2.37 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
Blue Cross Blue Shield	$2	84%
Mdwise [1175]	$2	84%
Medicaid / KanCare	$2 - $3	84%
Medicare (plans)	$2 - $3	84%
Unicare [1150]	$2	84%
Managed Health Services [1302]	$3	127%
Aetna	$4 - $46	169%
Commercial [2001]	$4 - $67	169%
Managed Care [2000]	$4 - $67	169%
United Medical Resources [1158]	$4	169%
United Medical Resources [1301]	$4	169%
UnitedHealthcare	$4	169%
Workers Comp [1172]	$5	211%
Cigna	$43	1814%
Great West Insurance [1055]	$44	1857%
Humana	$47	1983%

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 $15.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 85018.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Franciscan Health Indianapolis is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 85018.
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.