Blood test, calcium
Facility: Mcpherson Hospital
Billing Code: 82310 (CPT)
- CPT Billing Code: 82310
- Insurance Median: $68
- Cash Discount Price: $66
- vs. Medicare Baseline: 13.18x 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 $5.16 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 1318% of the Medicare baseline (a markup of 1218%). 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 |
|---|---|---|
| Healthy Blue Mcr Adv | $5 | 97% |
| Humana | $5 | 97% |
| UnitedHealthcare | $5 - $129 | 97% |
| Va Ccn - All Plans | $5 | 97% |
| Wellcare Mcr Adv - All Plans | $5 | 97% |
| Tricare | $5 | 97% |
| Blue Cross Blue Shield | $5 | 97% |
| Ambetter / Centene | $6 | 116% |
| Wppa - All Plans | $22 - $90 | 426% |
| Medical Associates - All Plans | $24 - $97 | 465% |
| Central Plains - All Plans | $24 - $97 | 465% |
| Aetna | $26 - $129 | 504% |
| Christian Health Aid - All Plans | $26 - $103 | 504% |
| Multiplan - All Plans | $29 - $116 | 562% |
| Health Partners - All Plans | $30 - $123 | 581% |
| Cigna | $30 - $123 | 581% |
| First Health - All Plans | $30 - $123 | 581% |
| Medicaid / KanCare | $32 - $129 | 620% |
| Health Blue Mcaid - All Other Plans | $33 - $132 | 640% |
Consumer Guidance & Cost Commentary
For the CPT code 82310, representing a blood test for calcium, McPherson Hospital in McPherson, Kansas, lists a gross charge of $89.00. While the facility offers a cash median price of $66.00, which is lower than the state average of $72.00, patients should be aware that commercial insurance negotiated rates often exceed cash prices. For instance, UnitedHealthcare and Aetna have negotiated ranges starting at $5 and $26 respectively, which can be significantly higher than the cash rate. This dynamic is particularly relevant for patients with high-deductible plans, as paying the cash price upfront may result in immediate savings compared to the insurance negotiated amount. Additionally, the facility offers a prompt-pay discount, which can further reduce the final bill if settled in full within a short window, bypassing the administrative costs associated with insurance claims processing.
It is important to distinguish between the facility's gross charges and the actual amounts paid by insurers, as the latter reflects contractual agreements rather than the full list price. The data indicates that while the facility's cash rate is competitive, some commercial payers like Medicaid/KanCare and Health Blue Medicaid have negotiated rates ranging from $32 to $33, which remain above the cash median. Patients should verify their specific plan's allowed amount before scheduling, as assuming that in-network coverage guarantees the lowest price can lead to unexpected costs if the deductible has not been met. Furthermore, if a patient receives care from an out-of-network provider or encounters unexpected ancillary services, they may face balance billing for the difference between the provider's full charge and the insurance payment. To avoid these surprises, consumers should request