Urinalysis (automated, with microscopy)
Facility: Jewell County Hospital
Billing Code: 81001 (CPT)
- CPT Billing Code: 81001
- Insurance Median: $48
- Cash Discount Price: $38
- vs. Medicare Baseline: 15.14x 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 1514% of the Medicare baseline (a markup of 1414%). 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 |
|---|---|---|
| Rural Carriers - All Plans | $42 | 1325% |
| Meritain - All Plans | $45 | 1420% |
| Aetna | $45 | 1420% |
| Midlands Choice - All Plans | $48 | 1514% |
| UnitedHealthcare | $48 | 1514% |
| Cigna | $48 | 1514% |
| First Health - All Plans | $48 | 1514% |
Consumer Guidance & Cost Commentary
For the CPT code 81001, representing an automated urinalysis with microscopy, the facility in Mankato, KS, has a cash median price of $38.00, which is lower than the state average of $48.00. While the facility's negotiated rates with major payers like Aetna and UnitedHealthcare are set at $48.00, patients with high-deductible plans may find the cash price more advantageous if their insurance allows for out-of-pocket costs exceeding $38.00. It is important to note that commercial negotiated rates often include administrative overheads that can inflate the baseline price, and patients should verify their specific plan's deductible status before scheduling to avoid unexpected out-of-pocket expenses.
The facility, Jewell County Hospital, is a Critical Access Hospital with government-local ownership, and its pricing reflects a transparent benchmark against federal standards. The Medicare amount for this service is $3.17, which serves as a baseline for evaluating the facility's markup; the cash price of $38.00 represents a significant increase over the federal rate, consistent with commercial pricing structures. To ensure you are receiving the most accurate billing information, always request a full itemized bill that lists specific CPT codes rather than accepting a summary invoice, and inquire directly about prompt-pay discounts that could further reduce the final cost if you choose to pay in full upfront.