Blood test, vitamin D
Facility: Nmc Health
Billing Code: 82306 (CPT)
- CPT Billing Code: 82306
- Insurance Median: $156
- Cash Discount Price: $163
- vs. Medicare Baseline: 5.27x 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 $29.6 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 527% of the Medicare baseline (a markup of 427%). 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 |
|---|---|---|
| Aetna | $93 - $185 | 314% |
| Wppa | $123 - $132 | 416% |
| Occunet | $134 - $144 | 453% |
| Samaritan Ministries International | $146 - $156 | 493% |
| Medincrease Health Plan | $146 - $156 | 493% |
| Prime Health Services | $168 - $180 | 568% |
| UnitedHealthcare | $202 - $216 | 682% |
| Cigna | $213 - $228 | 720% |
| Blue Cross Blue Shield | $218 | 736% |
Consumer Guidance & Cost Commentary
For the CPT code 82306, representing a blood test for vitamin D, Nmc Health in Newton, KS, lists a gross charge of $232.00. While the facility's cash median rate is $163.00, commercial insurance negotiated rates vary significantly by payer, ranging from a low of $93.00 with Aetna to a high of $228.00 with Cigna. It is important to note that these negotiated rates often exceed the cash price due to administrative costs and contract structures; therefore, patients with high-deductible plans may find paying the cash rate of $163.00 directly more cost-effective than relying on insurance, provided they have not yet met their deductible. Additionally, patients should always inquire about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront payment incentives can further reduce the final amount owed.
When evaluating the cost relative to the broader healthcare landscape, the facility's cash rate of $163.00 is 5.3% higher than the Medicare benchmark amount of $29.60, which serves as the objective baseline for fair pricing. Although commercial rates are typically higher than Medicare, comparing them to the facility's own gross charge can be misleading, as hospitals often inflate list prices to make discounts appear larger. To ensure you are receiving fair value, it is recommended to request an itemized billing audit to verify that all charges are accurate and that no unbundled codes or services not rendered have been included. Given that over 80% of hospital bills contain errors, obtaining a detailed line-by-line statement is the most effective way to identify potential over