Blood test, vitamin B12
Facility: Saint John Hospital
Billing Code: 82607 (CPT)
- CPT Billing Code: 82607
- Insurance Median: $16
- Cash Discount Price: $15
- vs. Medicare Baseline: 1.06x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. Medicare
Understanding this gauge: We use the federal Medicare rate of $15.08 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.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Healthy Blue | $15 - $16 | 99% |
| Midland Care Connection | $15 | 99% |
| Medicare (plans) | $15 | 99% |
| Medicaid / KanCare | $15 | 99% |
| Tricare | $15 | 99% |
| Aetna | $15 - $26 | 99% |
| UnitedHealthcare | $15 - $21 | 99% |
| Celtic | $15 - $96 | 99% |
| Kansas Superior Select | $15 | 99% |
| Cigna | $15 | 99% |
| Employer Direct Healthcare | $21 | 139% |
| Well Path | $21 | 139% |
| Corizon | $21 | 139% |
| Naphcare | $23 | 153% |
| Centurion | $23 | 153% |
| Blue Cross Blue Shield | $27 - $57 | 179% |
| Comp Alliance Workers Comp | $30 | 199% |
| Oha Networks | $33 | 219% |
| Worker Compensation | $34 | 225% |
Consumer Guidance & Cost Commentary
For this blood test for vitamin B12 at Saint John Hospital in Leavenworth, KS, the facility's cash price is $15.00, which is significantly lower than the state average of $137.00 and the median negotiated rate of $16.00. While the Medicare benchmark for this service is $15.08, commercial insurance plans pay much higher negotiated amounts, ranging from $15 to $96 depending on the carrier. For patients with high-deductible plans, paying the cash price of $15.00 upfront may be more cost-effective than relying on insurance, as the negotiated rates often exceed the cash amount. Patients should verify their specific plan's deductible status before scheduling and ask the hospital directly about "self-pay" or "prompt-pay" discounts, which can further reduce the final cost.
It is important to understand that commercial insurance rates are often inflated by administrative overhead and contract dynamics, making them higher than the true cost of care represented by the Medicare rate. Although the No Surprises Act protects patients from balance billing for emergency services at in-network facilities, patients should still request an itemized bill to ensure no unbundled codes or services not rendered are included. If a patient receives a large bill after using insurance, they should dispute any charges exceeding the cash price or the allowed amount in writing, rather than accepting summary bills or verbal assurances. Comparing the facility's rates to the state average reveals that Saint John Hospital's cash pricing is exceptionally competitive, offering a clear financial advantage over the typical commercial billing structure.