Blood test, calcium
Facility: F W Huston Medical Center
Billing Code: 82310 (CPT)
- CPT Billing Code: 82310
- Insurance Median: $35
- Cash Discount Price: $36
- vs. Medicare Baseline: 6.78x 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 678% of the Medicare baseline (a markup of 578%). 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 | $11 | 213% |
| Aetna | $34 | 659% |
| Humana | $36 | 698% |
| Cigna | $38 | 736% |
Consumer Guidance & Cost Commentary
For the blood test, calcium procedure (CPT 82310) at F W Huston Medical Center in Winchester, KS, the facility's cash median price of $36.00 is notably lower than the state average, which sits at $45.00. While the facility's negotiated rates with major payers like Blue Cross Blue Shield, Aetna, Humana, and Cigna range from $34 to $38, these amounts are still higher than the cash price. This pricing structure suggests that for patients with high-deductible plans or those without insurance, paying the cash price directly could result in significant savings compared to using an in-network insurance plan, as the negotiated rates often exceed the cash rate.
To ensure you are receiving the most accurate and lowest possible price, it is essential to request an itemized bill before finalizing payment. Hospitals often issue summary bills that obscure individual charges, making it difficult to identify errors or unbundled codes that could inflate your total. Additionally, since the facility is a Critical Access Hospital with a voluntary non-profit ownership, you should explicitly ask about "self-pay" or "prompt-pay" discounts, which can reduce the final amount by 20% to 50% if paid upfront. Always verify your deductible status and confirm that the facility has classified your visit as self-pay to prevent automatic claims submission, which would void any potential cash discounts.