Blood test, basic metabolic panel
Facility: Labette Health
Billing Code: 80048 (CPT)
- CPT Billing Code: 80048
- Insurance Median: $13
- Cash Discount Price: $50
- vs. Medicare Baseline: 1.54x 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.
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 |
|---|---|---|
| Montgomery County | $8 - $39 | 95% |
| Humana | $8 | 95% |
| UnitedHealthcare | $8 - $104 | 95% |
| Blue Cross Blue Shield | $8 - $20 | 95% |
| Medicaid / KanCare | $8 - $54 | 95% |
| Wellcare | $8 | 95% |
| Ambetter / Centene | $10 | 118% |
| Uhccp | $11 | 130% |
| Multiplan | $101 | 1194% |
| Health Partners Of Kansas, Inc | $107 | 1265% |
| Choicecare (First Health Network) | $107 | 1265% |
Consumer Guidance & Cost Commentary
For this basic metabolic panel test at Labette Health in Parsons, KS, the cash price of $50.00 is significantly lower than the facility's negotiated rates with major payers, which range from $8 to $107 depending on the insurance plan. While the facility's cash rate is higher than the state average of $8.46 for Medicare, it remains well below the highest negotiated amounts seen in the data, such as the $107 rate charged to some commercial plans. This pricing structure suggests that for patients with high-deductible plans or those without insurance, paying the cash price directly may result in lower out-of-pocket costs compared to having insurance process the claim, as the negotiated rates often exceed the cash price due to administrative overheads included in commercial contracts.
To ensure you receive the most accurate billing, it is critical to request an itemized bill before paying, as summary invoices can obscure individual charges or errors. If you choose to use insurance, be aware that the facility's negotiated rates can vary widely, with some plans paying as little as $8 while others pay up to $104, so verifying your specific plan's allowed amount is essential. Additionally, if you pay the cash price upfront, you may be eligible for a prompt-pay discount, which could further reduce the cost to $40 or less, though you should confirm this rate directly with the billing department prior to scheduling your visit.