Culture, blood
Facility: Menorah Medical Center
Billing Code: 87040 (CPT)
- CPT Billing Code: 87040
- Insurance Median: $22
- Cash Discount Price: $974
- 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 $10.32 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 | $5 - $779 | 48% |
| Amerigroup | $9 | 87% |
| United | $9 - $438 | 87% |
| Blue Cross Blue Shield | $10 - $438 | 97% |
| Humana | $10 - $25 | 97% |
| Aetna | $10 - $497 | 97% |
| Coventry | $10 - $392 | 97% |
| Home State Health Plan | $10 | 97% |
| Unicare | $10 | 97% |
| Medicaid / KanCare | $10 | 97% |
| Devoted Health | $10 | 97% |
| Healthyblue | $10 | 97% |
| Triwest Health Alliance | $11 | 107% |
| Celtic | $11 | 107% |
| Pyramid Life | $11 | 107% |
| Wellcare | $11 | 107% |
| Oscar | $16 | 155% |
| Multiplan | $18 - $721 | 174% |
| Oha Network | $22 - $487 | 213% |
| Corvel Corporation | $22 - $633 | 213% |
| Ambetter / Centene | $181 | 1754% |
| Nhc Advantage | $185 | 1793% |
| Wppa Providrs Care Network | $195 | 1890% |
| Universal Healthcare | $341 | 3304% |
| Coventry Kc Mo | $399 | 3866% |
| College Park Family Care Center | $419 | 4060% |
| Focus Healthcare Mgmt, Inc | $731 | 7083% |
| Cco, Inc. | $731 | 7083% |
Consumer Guidance & Cost Commentary
For the CPT code 87040 (Culture, blood) at Menorah Medical Center in Overland Park, KS, the cash price is $974.00, which matches the facility's cash median. This rate is significantly higher than the national average, sitting 210% above the Medicare benchmark of $10.32. While commercial payers negotiate rates ranging from $5 to $731 depending on the plan, these negotiated amounts often exceed the cash price for patients with high-deductible plans. In such cases, paying cash directly can be more cost-effective than relying on insurance, as the administrative overhead and contract markups embedded in negotiated rates can inflate the final bill. Patients should verify their specific plan's allowed amount before scheduling, as some in-network contracts may result in higher out-of-pocket costs than the cash rate.
To ensure you receive the most accurate and fair pricing, it is crucial to request an itemized bill before finalizing payment. Hospitals often issue summary bills that obscure individual charges, making it difficult to identify errors, unbundled codes, or services not rendered. Since over 80% of hospital bills contain errors, obtaining a detailed line-by-line statement is the most effective way to reduce medical debt. Additionally, patients should inquire about prompt-pay discounts, which can reduce the total bill by 20% to 50% if paid in full upfront. These discounts bypass the costly insurance claims process and provide immediate liquidity to the facility, often resulting in a lower final price than the standard cash or negotiated rate.