Blood test, basic metabolic panel
Facility: St. Catherine Hospital - Garden City
Billing Code: 80048 (CPT)
- CPT Billing Code: 80048
- Insurance Median: $30
- Cash Discount Price: $73
- vs. Medicare Baseline: 3.55x 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 $8.46 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 355% of the Medicare baseline (a markup of 255%). 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 |
|---|---|---|
| UnitedHealthcare | $8 - $68 | 95% |
| Innovage | $8 | 95% |
| Medicare (plans) | $8 | 95% |
| Cigna | $8 - $11 | 95% |
| Aetna | $8 - $93 | 95% |
| Kansas Health | $8 | 95% |
| Devoted Health | $8 | 95% |
| Kaiser | $8 - $70 | 95% |
| Humana | $8 | 95% |
| Blue Cross Blue Shield | $8 - $30 | 95% |
| Centura Employee Plan | $11 | 130% |
| United Colorado Doctor'S Plan | $13 | 154% |
| Direct To Employer | $15 - $102 | 177% |
| Denver Health | $60 | 709% |
| Wpaa | $77 | 910% |
| Christian Health Aid | $88 | 1040% |
| Multiplan | $99 - $216 | 1170% |
| Peak Health | $99 | 1170% |
| Health Partners Of Kansas | $107 | 1265% |
Consumer Guidance & Cost Commentary
For the basic metabolic panel (CPT 80048) at St. Catherine Hospital in Garden City, KS, the facility's cash median price of $73.00 is significantly higher than the state average of $30.00 and the county average of $8.00. While commercial insurance plans like UnitedHealthcare and Aetna negotiate rates ranging from $8 to $93, these negotiated amounts often exceed the cash price, meaning patients with high-deductible plans could save money by paying cash upfront. It is important to note that the facility's gross charge of $182.00 serves as the starting point for all billing, and the actual amount billed to an insured patient depends entirely on their specific plan's negotiated rate, which varies widely across the 19 payers listed.
Patients should be aware that the facility's negotiated rates average $30.00, which is still double the state average, and that the Medicare benchmark of $8.46 provides a clear baseline for fair pricing. Since the facility is a voluntary non-profit church-owned hospital, it may offer prompt-pay discounts for those who settle their bill in full within 30 days, potentially reducing the cost below the cash median. However, if you have insurance, you must explicitly request a waiver of insurance submission before check-in to avoid the hospital automatically submitting a claim that could void any cash discount agreement. Additionally, under the No Surprises Act, you are protected from balance billing for out-of-network services at this in-network facility, so any unexpected charges should be disputed immediately rather than paid out of pocket.