CMS Price Transparency Data

Culture, bacterial

Facility: Franciscan Health Indianapolis

Billing Code: 87070 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87070
Insurance Median: $14
Cash Discount Price: $42
vs. Medicare Baseline: 1.62x Medicare

The contracted insurance negotiated median rate for a Culture, bacterial at Franciscan Health Indianapolis is $14. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $42. Compared to the federal Medicare reimbursement reference rate of $8.62, this hospital’s rate is 1.62x the Medicare baseline. Located in 8111 S Emerson Ave, Indianapolis, IN.

Cash / Self-Pay

$42

Average discount available for prompt cash payment at this facility.

Insurance Median

$14

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: $42 (487%)

Insurance Median: $14 (162%)

Cash: $42 (487% of Medicare)

Ins. Median: $14 (162% 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.

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%
Managed Care [2000]	$13 - $180	151%
Commercial [2001]	$14 - $180	162%
United Medical Resources [1158]	$14	162%
United Medical Resources [1301]	$14	162%
UnitedHealthcare	$14	162%
Workers Comp [1172]	$17	197%
Aetna	$74 - $125	858%
Cigna	$115	1334%
Great West Insurance [1055]	$117	1357%
Humana	$125	1450%

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 $42.
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 Indianapolis 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.