Blood test, sodium
Facility: Menorah Medical Center
Billing Code: 84295 (CPT)
- CPT Billing Code: 84295
- Insurance Median: $10
- Cash Discount Price: $379
- vs. Medicare Baseline: 2.08x 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.
Elevated Commercial Rate Alert (Value-Gap)
The negotiated rate at this facility is 208% of the Medicare baseline (a markup of 108%). 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 - $303 | 42% |
| Aetna | $4 - $193 | 83% |
| Healthyblue | $4 | 83% |
| Unicare | $4 | 83% |
| United | $4 - $171 | 83% |
| Medicaid / KanCare | $4 | 83% |
| Amerigroup | $4 | 83% |
| Pyramid Life | $5 | 104% |
| Coventry | $5 - $152 | 104% |
| Devoted Health | $5 | 104% |
| Home State Health Plan | $5 | 104% |
| Triwest Health Alliance | $5 | 104% |
| Blue Cross Blue Shield | $5 - $171 | 104% |
| Humana | $5 - $12 | 104% |
| Celtic | $5 | 104% |
| Wellcare | $5 | 104% |
| Oscar | $7 | 146% |
| Multiplan | $9 - $281 | 187% |
| Corvel Corporation | $10 - $247 | 208% |
| Oha Network | $11 - $190 | 229% |
| Ambetter / Centene | $71 | 1476% |
| Nhc Advantage | $72 | 1497% |
| Wppa Providrs Care Network | $76 | 1580% |
| Universal Healthcare | $133 | 2765% |
| Coventry Kc Mo | $155 | 3222% |
| College Park Family Care Center | $163 | 3389% |
| Focus Healthcare Mgmt, Inc | $284 | 5904% |
| Cco, Inc. | $284 | 5904% |
Consumer Guidance & Cost Commentary
For this blood test service at Menorah Medical Center in Overland Park, KS, the cash price is $379.00, which matches the facility's cash median. This rate is significantly higher than the state average, as indicated by a 2.1x multiplier compared to Medicare's benchmark rate of $4.81. While commercial insurance plans like Cigna and Aetna have negotiated rates ranging from $2 to $303, these amounts often exceed the cash price for patients with high-deductible plans. In such cases, paying the cash rate directly can be more cost-effective than relying on insurance, which may result in higher out-of-pocket costs if the negotiated allowed amount is greater than the cash price. Patients should verify their specific plan's deductible status and ask the hospital about self-pay or prompt-pay discounts before scheduling to ensure they are not paying more than necessary.
It is important to understand that commercial negotiated rates often include administrative overhead and do not represent the lowest possible price for the service. Although the data shows various payers with negotiated rates, the facility's cash rate serves as a baseline that can sometimes be lower than what insurance will allow. 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 pays. To avoid surprise costs, always request an itemized bill before paying and dispute any errors in writing. Additionally, if you are paying out of pocket, ask specifically for a prompt-pay discount, which can reduce the total cost by 20% to 50% if settled in full within a short window, bypassing