Blood test, potassium
Facility: St Luke Hospital & Living Center
Billing Code: 84132 (CPT)
- CPT Billing Code: 84132
- Insurance Median: $22
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 4.62x 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 $4.76 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 462% of the Medicare baseline (a markup of 362%). 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 |
|---|---|---|
| Va Ccn | $22 | 462% |
| UnitedHealthcare | $22 | 462% |
| Kansas Department Of Health And Environment | $22 | 462% |
| Blue Cross Blue Shield | $22 | 462% |
| Bluestem Pace | $22 | 462% |
| Humana | $22 | 462% |
| Ambetter / Centene | $23 | 483% |
Consumer Guidance & Cost Commentary
For the blood test for potassium (CPT code 84132) at St Luke Hospital & Living Center in Marion, KS, the facility's negotiated rate of $22.00 is significantly lower than the gross charge of $44.00, reflecting the contractual ceilings that protect in-network members. While the facility is a Critical Access Hospital owned by a Government Hospital District, its pricing aligns with the state average for this service, as the data indicates a consistent $22.00 rate across all seven payers listed, including UnitedHealthcare, Humana, and Blue Cross Blue Shield. This consistency suggests the facility has standardized its billing to match regional market expectations rather than charging premium rates for its network tier.
Patients should be aware that while insurance typically covers the negotiated rate, cash-pay options may offer savings if your plan has a high deductible or if the insurance allowed amount exceeds the cash price. Although specific cash and median paid figures are not available for this code, the facility's location in Marion (ZIP 66861) and its status as a Critical Access Hospital often qualify for prompt-pay discounts, which can reduce bills by 20% to 50% when paid upfront. To maximize savings, we recommend requesting a self-pay classification before your appointment and asking specifically about prompt-pay incentives, as waiting until after receiving an insurance bill may void these discounts. Additionally, since Medicare reimbursement for this service is $4.76, the negotiated rate of $22.00 represents a markup typical of commercial contracts, but it remains well below the facility's full chargemaster price.