Blood test, calcium
Facility: Menorah Medical Center
Billing Code: 82310 (CPT)
- CPT Billing Code: 82310
- Insurance Median: $11
- Cash Discount Price: $217
- vs. Medicare Baseline: 2.13x 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 213% of the Medicare baseline (a markup of 113%). 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 | $3 - $174 | 58% |
| Healthyblue | $5 | 97% |
| Wellcare | $5 | 97% |
| Unicare | $5 | 97% |
| United | $5 - $98 | 97% |
| Home State Health Plan | $5 | 97% |
| Humana | $5 - $13 | 97% |
| Blue Cross Blue Shield | $5 - $98 | 97% |
| Coventry | $5 - $87 | 97% |
| Medicaid / KanCare | $5 | 97% |
| Devoted Health | $5 | 97% |
| Aetna | $5 - $111 | 97% |
| Amerigroup | $5 | 97% |
| Triwest Health Alliance | $5 | 97% |
| Celtic | $5 | 97% |
| Pyramid Life | $6 | 116% |
| Oscar | $8 | 155% |
| Multiplan | $9 - $161 | 174% |
| Corvel Corporation | $11 - $141 | 213% |
| Oha Network | $12 - $109 | 233% |
| Ambetter / Centene | $40 | 775% |
| Nhc Advantage | $41 | 795% |
| Wppa Providrs Care Network | $43 | 833% |
| Universal Healthcare | $76 | 1473% |
| Coventry Kc Mo | $89 | 1725% |
| College Park Family Care Center | $93 | 1802% |
| Cco, Inc. | $163 | 3159% |
| Focus Healthcare Mgmt, Inc | $163 | 3159% |
Consumer Guidance & Cost Commentary
For this blood calcium test at Menorah Medical Center in Overland Park, KS, the cash price is $217.00, which matches the facility's median paid amount. This cash rate is significantly higher than the state average of $5.16 and the Medicare benchmark of $5.16, reflecting the typical markup found in commercial pricing. While commercial insurance plans like Cigna, United, and Aetna negotiate rates ranging from $3 to $174, these negotiated amounts often exceed the cash price for patients with high-deductible plans. In such cases, paying the full cash price upfront can be more cost-effective than relying on insurance, provided you have not yet met your deductible. Patients should explicitly ask the billing department about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront incentives can reduce the final cost by 20% to 50%.
It is important to understand that commercial negotiated rates are often inflated by administrative costs and contract structures, sometimes reaching 200% to 300% of the Medicare baseline. For this specific service, the median negotiated rate across payers is $11.00, which is lower than the cash price but still represents a premium over the federal cost basis. If you receive a bill from an out-of-network provider or encounter unexpected charges, you may be subject to balance billing, where the provider bills you for the difference between their full chargemaster rate and what your insurance allowed. However, the No Surprises Act protects you from balance billing for emergency care and non-emergency services at in-network facilities. To avoid surprise costs, always request a full itemized bill before paying, ensuring no