Blood test, sodium
Facility: University Of Kansas Health System - St Francis Campus
Billing Code: 84295 (CPT)
- CPT Billing Code: 84295
- Insurance Median: $57
- Cash Discount Price: $42
- vs. Medicare Baseline: 11.85x 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 $4.81 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 1185% of the Medicare baseline (a markup of 1085%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
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 |
|---|---|---|
| Oncology Patient Assistance Programs [2295] | $57 | 1185% |
| Blue Cross Blue Shield | $57 | 1185% |
| Lucent Health [6000] | $57 | 1185% |
| Healthcare Highways [2210] | $57 | 1185% |
| Black Lung [6055] | $57 | 1185% |
| Hooray Health [8000] | $57 | 1185% |
| Web Tpa [2115] | $57 | 1185% |
| Aetna | $57 | 1185% |
| Department Of Corrections [1340] | $70 | 1455% |
| Healthpartners [1500] | $80 | 1663% |
| National Association Of Letter Carriers [1695] | $80 | 1663% |
| Cigna | $80 | 1663% |
| American Postal Workers Union [1070] | $80 | 1663% |
| Humana | $82 | 1705% |
| First Health [1375] | $108 | 2245% |
| American Healthcare [1055] | $108 | 2245% |
| Administrative Concepts [1005] | $108 | 2245% |
| Multiplan [1680] | $108 | 2245% |
| Coventry Healthcare [1320] | $114 | 2370% |
| Ks Disability Determination [6090] | $139 | 2890% |
Consumer Guidance & Cost Commentary
For the blood test for sodium (CPT code 84295) at the University of Kansas Health System - St Francis Campus in Topeka, KS, the facility's cash price is $42.00, which is significantly lower than the state average of $139.00 and the county average of $57.00. While many insurance plans negotiate a rate of $57.00, this amount is still higher than the cash price, meaning patients with high-deductible plans or those without insurance could save money by paying the cash rate directly. It is important to note that while the facility is a voluntary non-profit church-owned acute care hospital, commercial insurance contracts often result in higher allowed amounts than self-pay options due to administrative costs and network tiering.
Patients should be aware that insurance negotiated rates can sometimes exceed cash prices, making it financially advantageous to inquire about "self-pay" or "prompt-pay" discounts before scheduling any services. If you have received a bill from an out-of-network provider or unexpected ancillary services at this in-network facility, you may be eligible for protections under the No Surprises Act, which bans balance billing for emergency and non-emergency care. To ensure you are not overcharged, always request a full itemized bill before paying, as summary invoices can obscure errors or unbundled charges, and dispute any discrepancies in writing rather than accepting verbal assurances.