Blood test, sodium
Facility: Providence Medical Center
Billing Code: 84295 (CPT)
- CPT Billing Code: 84295
- Insurance Median: $5
- Cash Discount Price: $4
- vs. Medicare Baseline: 1.04x 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.
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 |
|---|---|---|
| Medicaid / KanCare | $4 | 83% |
| UnitedHealthcare | $4 - $8 | 83% |
| Celtic | $4 - $8 | 83% |
| Healthy Blue | $4 - $5 | 83% |
| Midland Care Connection | $5 | 104% |
| Blue Cross Blue Shield | $5 - $12 | 104% |
| Cigna | $5 | 104% |
| Medicare (plans) | $5 | 104% |
| Kansas Superior Select | $5 | 104% |
| Tricare | $5 | 104% |
| Aetna | $5 - $8 | 104% |
| Corizon | $6 | 125% |
| Well Path Prison | $7 | 146% |
| Naphcare | $7 | 146% |
| Centurion | $7 | 146% |
| Employer Direct Healthcare | $7 | 146% |
| Comp Alliance - Fka Compresults Worker Compensation | $10 | 208% |
| Worker Compensation | $11 | 229% |
| Oha Networks | $11 | 229% |
Consumer Guidance & Cost Commentary
For CPT code 84295 (Blood test, sodium) at Providence Medical Center in Kansas City, KS, the facility's cash median rate is $4.00, which is significantly lower than the Medicare benchmark of $4.81. While the facility's negotiated rates range from $4.00 to $90.00 across 19 different payers, including Medicaid/KanCare and UnitedHealthcare, patients with high-deductible plans may find the cash price more advantageous if their insurance negotiated rate exceeds this amount. It is important to note that commercial negotiated rates often include administrative overhead for claims processing, which can inflate the final cost compared to direct cash payments.
To minimize out-of-pocket expenses, patients should proactively request "self-pay" or "prompt-pay" discounts before scheduling their visit, as these upfront payment incentives can reduce the bill by 20% to 50% by bypassing costly insurance billing cycles. Additionally, since the No Surprises Act prohibits balance billing for emergency care and non-emergency services at in-network facilities, patients should verify whether any ancillary services, such as specific lab components, are rendered by out-of-network providers to avoid unexpected charges. Always demand a full, itemized CPT-coded bill before paying to ensure accuracy and identify any unbundled codes or services not rendered.