Blood test, calcium
Facility: Kearny County Hospital
Billing Code: 82310 (CPT)
- CPT Billing Code: 82310
- Insurance Median: $64
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 12.40x 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 1240% of the Medicare baseline (a markup of 1140%). 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 |
|---|---|---|
| Wps Gha - Mac J5 Part A | $64 | 1240% |
| UnitedHealthcare | $64 | 1240% |
| Blue Cross Blue Shield | $64 | 1240% |
Consumer Guidance & Cost Commentary
For the blood test, calcium procedure (CPT 82310), the negotiated rate of $64.00 is significantly higher than the Medicare benchmark of $5.16, reflecting the standard administrative markup inherent in commercial insurance contracts. While the facility's cash median is not listed, patients with high-deductible plans should consider that paying cash upfront may result in lower out-of-pocket costs compared to the insurance negotiated rate, provided the patient meets their deductible. It is crucial to verify the facility's "self-pay" or "prompt-pay" discount policies before scheduling, as these upfront payment incentives can bypass the administrative overhead that inflates insurance rates.
This service was billed at the full negotiated rate of $64.00 by three payers, including Wps Gha - Mac J5 Part A, UnitedHealthcare, and Blue Cross Blue Shield, with no variation in the allowed amount across these plans. Given that over 80% of hospital bills contain errors, patients should request a detailed, itemized CPT-coded statement rather than accepting a summary bill to identify any unbundled charges or services not rendered. If a balance bill arises from out-of-network ancillary services, the No Surprises Act may provide protection against unexpected costs, and patients should dispute any surprise billing immediately rather than paying the full amount out of fear of credit damage.