Blood test, amylase
Facility: F W Huston Medical Center
Billing Code: 82150 (CPT)
- CPT Billing Code: 82150
- Insurance Median: $79
- Cash Discount Price: $82
- vs. Medicare Baseline: 12.19x 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 $6.48 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 1219% of the Medicare baseline (a markup of 1119%). 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 |
|---|---|---|
| Blue Cross Blue Shield | $25 | 386% |
| Aetna | $77 | 1188% |
| Humana | $81 | 1250% |
| Cigna | $87 | 1343% |
Consumer Guidance & Cost Commentary
For this blood test procedure at F W Huston Medical Center in Winchester, KS, the facility's cash price of $82.00 is significantly lower than the average negotiated rates paid by major insurers like Aetna ($77), Humana ($81), and Cigna ($87). While the facility is a Critical Access Hospital with a voluntary non-profit ownership structure, patients with high-deductible plans may find paying the cash price directly more cost-effective than relying on insurance, as the insurer's allowed amount often exceeds the cash rate. It is important to note that while the facility offers a cash median of $82.00, the median amount actually paid by insurers is $49.00, which is lower than the cash price; however, this lower paid amount reflects the specific deductible and co-pay structures of individual plans rather than a universal discount.
To ensure you are not overcharged, always request a prompt-pay discount or self-pay rate before scheduling your visit, as these upfront payments can bypass the administrative costs associated with insurance claims processing. If you receive a bill after using insurance, verify that it is an itemized statement rather than a summary bill, and check for any unbundled codes or services not rendered, as over 80% of hospital bills contain errors. Additionally, compare the facility's pricing against the Medicare benchmark of $6.48; while the commercial negotiated rates are higher, they are generally expected to be between 120% and 150% of the Medicare rate, whereas this facility's cash price is notably lower than the standard commercial benchmarks.