Blood test, basic metabolic panel
Facility: Satanta District Hospital, Clinics, & Ltcu
Billing Code: 80048 (CPT)
- CPT Billing Code: 80048
- Insurance Median: $91
- Cash Discount Price: $113
- vs. Medicare Baseline: 10.76x 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 $8.46 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 1076% of the Medicare baseline (a markup of 976%). 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 |
|---|---|---|
| Direct Benefit-All Plans | $30 | 355% |
| UnitedHealthcare | $37 - $126 | 437% |
| Berkley Net-All Plans | $50 | 591% |
| Trustmark Health Benefits-All Plans | $55 | 650% |
| Aetna | $55 - $86 | 650% |
| Meritain Health-All Plans | $57 | 674% |
| Ambetter / Centene | $60 | 709% |
| Axa Equitable - All Plans | $69 | 816% |
| Pinnacol-All Plans | $71 | 839% |
| Medi-Share-All Plans | $72 | 851% |
| Presbyterian-All Plans | $77 | 910% |
| Kasb Work Comp - All Plans | $81 | 957% |
| The Kempton Group Admin-All Plans | $87 | 1028% |
| Auxiant - All Plans | $88 | 1040% |
| Gpha(Wppa)-All Other Plans | $88 | 1040% |
| Wppa- All Plans | $89 | 1052% |
| Emc-All Plans | $91 | 1076% |
| Sisco-All Plans | $91 | 1076% |
| Providers Care Network- All Plans | $91 | 1076% |
| Gpha Employee Benefit Plan | $92 | 1087% |
| Regional Care(Wppa)-All Plans | $94 | 1111% |
| Employee Benefit-All Plans | $94 | 1111% |
| Triangle-All Plans | $96 | 1135% |
| First Health -All Plans | $96 | 1135% |
| One Call Physician-All Plans | $97 | 1147% |
| Blue Cross Blue Shield | $100 | 1182% |
| Tricare | $101 | 1194% |
| Christian Hospital Aid - All Plans | $101 | 1194% |
| Humana | $108 | 1277% |
| Luminare Health- All Plans | $111 | 1312% |
| Cigna | $111 | 1312% |
| Coresource-All Plans | $113 | 1336% |
| Deseret Mutual(Uhis)-All Plans | $113 | 1336% |
| Vaccn-All Plans | $116 | 1371% |
| Wps Vapc-All Plans | $120 | 1418% |
| Reserve National-All Plans | $120 | 1418% |
| Hma Llc-All Plans | $120 | 1418% |
| Medicaid / KanCare | $126 | 1489% |
Consumer Guidance & Cost Commentary
For this blood test service at Satanta District Hospital, the cash price is $113, which is lower than the facility's gross charge of $126 but higher than the median negotiated rate of $91 paid by insurance plans. While the facility is a Critical Access Hospital in Kansas, the data provided does not include specific county or state average comparisons for this code. Patients should note that paying cash upfront can sometimes be more cost-effective than using insurance if their plan's negotiated rate exceeds the cash price, though this specific service shows the opposite trend where insurance rates are lower. It is always advisable to ask the billing department about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront payment incentives can further reduce the final amount owed.
The facility's negotiated rates range from $30 to $126 across 38 different payers, with the lowest allowed amount being $30 for Direct Benefit-All Plans and the highest at $126 for Medicaid/KanCare. The median amount paid by insurers is $91, which is 10.8% higher than the Medicare benchmark of $8.46, indicating a markup above the federal cost baseline. Because commercial insurance contracts often include administrative overhead and network tiering, the negotiated rate may not reflect the lowest possible price available. To ensure you are not overpaying, request an itemized bill to verify that all charges are accurate and that no services were unbundled or double-billed, as over 80% of hospital bills contain errors that can be corrected through a formal audit.