Blood test, basic metabolic panel
Facility: Lindsborg Community Hospital
Billing Code: 80048 (CPT)
- CPT Billing Code: 80048
- Insurance Median: $110
- Cash Discount Price: $84
- vs. Medicare Baseline: 13.00x 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 1300% of the Medicare baseline (a markup of 1200%). 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 | $19 | 225% |
| Tricare | $57 | 674% |
| Coventry Mcr Adv | $57 | 674% |
| Cigna | $102 | 1206% |
| UnitedHealthcare | $108 | 1277% |
| Coventry Comm-All Other Plans | $108 | 1277% |
| Multiplan-All Plans | $112 | 1324% |
| Phcs Preferred-All Plans | $112 | 1324% |
| Coventry Wc | $114 | 1348% |
| Health Partners -All Plans | $114 | 1348% |
| Century Health-All Plans | $114 | 1348% |
| Wppa-All Plans | $114 | 1348% |
Consumer Guidance & Cost Commentary
For the basic metabolic panel at Lindsborg Community Hospital, the cash price of $84.00 is notably lower than the facility's median negotiated rate of $112.00 and the state of Kansas average of $110.00. While Medicare benchmarks this service at $8.46, commercial insurance contracts often result in higher out-of-pocket costs for patients who have not yet met their deductibles. Because the cash price is significantly below the negotiated rates, patients with high-deductible plans may find it financially advantageous to pay directly, provided they confirm the facility's "self-pay" or "prompt-pay" discounts before scheduling.
The facility's pricing structure reflects a standard markup relative to the Medicare baseline, with negotiated rates ranging from $19.00 to $114.00 across twelve different insurance plans. It is important to note that while in-network coverage prevents balance billing for most services, the final amount owed depends entirely on your specific plan's deductible status and allowed amounts. To ensure you receive the most accurate pricing, we recommend requesting an itemized bill that details every CPT code and unit cost, allowing you to verify that no unbundled charges or services not rendered have inflated your total.