Urinalysis (automated, with microscopy)
Facility: Overland Park Reg Med Ctr
Billing Code: 81001 (CPT)
- CPT Billing Code: 81001
- Insurance Median: $90
- Cash Discount Price: $511
- vs. Medicare Baseline: 28.39x 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 $3.17 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 2839% of the Medicare baseline (a markup of 2739%). 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 |
|---|---|---|
| Cigna | $2 - $3 | 63% |
| Amerigroup | $3 | 95% |
| Coventry | $3 - $215 | 95% |
| Triwest Health Alliance | $3 | 95% |
| Devoted Health | $3 | 95% |
| Pyramid Life | $3 | 95% |
| Celtic | $3 | 95% |
| Blue Cross Blue Shield | $3 - $230 | 95% |
| Medicaid / KanCare | $3 | 95% |
| Humana | $3 - $8 | 95% |
| Aetna | $3 - $273 | 95% |
| Home State Health Plan | $3 | 95% |
| Healthyblue | $3 | 95% |
| United | $3 - $241 | 95% |
| Unicare | $3 | 95% |
| Wellcare | $3 | 95% |
| Oscar | $5 | 158% |
| Multiplan | $6 - $396 | 189% |
| Oha Network | $7 - $268 | 221% |
| Corvel Corporation | $7 - $348 | 221% |
| Ambetter / Centene | $90 - $100 | 2839% |
| Nhc Advantage | $92 - $102 | 2902% |
| Wppa Providrs Care Network | $97 - $107 | 3060% |
| Universal Healthcare | $170 - $187 | 5363% |
| Coventry Kc Mo | $199 - $219 | 6278% |
| College Park Family Care Center | $209 - $230 | 6593% |
| Cco, Inc. | $365 - $401 | 11514% |
| Focus Healthcare Mgmt, Inc | $365 - $401 | 11514% |
Consumer Guidance & Cost Commentary
For the automated urinalysis with microscopy (CPT 81001) at Overland Park Reg Med Ctr, the cash price is $511.00, which matches the facility's median paid amount. This cash rate is significantly higher than the state average for Kansas, reflecting the typical markup found in commercial healthcare pricing. While many insurance plans negotiate rates as low as $90.00, these negotiated amounts often exceed the cash price for patients with high-deductible plans, making upfront payment a potentially more cost-effective option. Patients should verify their specific plan's deductible status before scheduling, as paying the cash rate may result in immediate savings compared to the administrative costs and potential out-of-pocket maximums associated with insurance claims.
To maximize savings, consumers should proactively request "self-pay" or "prompt-pay" discounts before check-in, as these upfront payment incentives can reduce the final bill by 20% to 50%. It is crucial to avoid automatic claims submission by signing a waiver of insurance submission if you choose to pay cash, ensuring the facility applies the discounted rate rather than processing a standard claim. Additionally, while the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, patients should always review their itemized bill for any unbundled codes or services not rendered, as over 80% of hospital bills contain errors that can be corrected through a formal written audit dispute.