Blood test, sodium
Facility: Logan County Hospital
Billing Code: 84295 (CPT)
- CPT Billing Code: 84295
- Insurance Median: $45
- Cash Discount Price: $13
- vs. Medicare Baseline: 9.36x 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 $4.81 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 936% of the Medicare baseline (a markup of 836%). 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 | $10 | 208% |
| Humana | $28 | 582% |
| Health Partners - All Plans | $62 | 1289% |
| Medicaid / KanCare | $65 | 1351% |
Consumer Guidance & Cost Commentary
For this blood test for sodium at Logan County Hospital in Oakley, KS, the facility's negotiated rate of $45.00 is significantly higher than the state average, which sits at $13.00 for cash payments. While the hospital is a Critical Access Hospital with government local ownership, the commercial negotiated rate reflects the administrative costs and contract dynamics typical of in-network care. It is important to note that for patients with high-deductible plans, paying the cash price of $13.00 upfront could result in substantial savings compared to the $45.00 rate billed by insurance, as the negotiated amount often exceeds the cash price due to multi-layered billing structures.
To maximize your savings, you should contact the hospital directly to confirm if they offer "self-pay" or "prompt-pay" discounts, which can reduce the final bill by 20% to 50% for upfront payment. Additionally, since the Medicare benchmark for this service is only $4.81, the commercial negotiated rate represents a significant markup compared to the federal baseline. If you receive a bill after using insurance, request a full itemized audit to ensure no errors exist, as over 80% of hospital bills contain discrepancies. Always verify your deductible status before scheduling, as paying the negotiated rate without meeting your deductible can lead to unexpected out-of-pocket costs.