Urinalysis (automated, with microscopy)
Facility: Lindsborg Community Hospital
Billing Code: 81001 (CPT)
- CPT Billing Code: 81001
- Insurance Median: $43
- Cash Discount Price: $33
- vs. Medicare Baseline: 13.56x 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 $3.17 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 1356% of the Medicare baseline (a markup of 1256%). 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 | 315% |
| Tricare | $22 | 694% |
| Coventry Mcr Adv | $22 | 694% |
| Cigna | $40 | 1262% |
| UnitedHealthcare | $42 | 1325% |
| Coventry Comm-All Other Plans | $42 | 1325% |
| Phcs Preferred-All Plans | $43 | 1356% |
| Multiplan-All Plans | $43 | 1356% |
| Coventry Wc | $44 | 1388% |
| Health Partners -All Plans | $44 | 1388% |
| Wppa-All Plans | $44 | 1388% |
| Century Health-All Plans | $44 | 1388% |
Consumer Guidance & Cost Commentary
For the automated urinalysis with microscopy (CPT 81001) at Lindsborg Community Hospital in Lindsborg, KS, the facility's cash price of $33.00 is notably lower than the median negotiated rate of $43.00 paid by insurance plans. This cash rate also sits below the state average for this service, offering a potential savings of $10.00 compared to the typical insurance payment. Because commercial negotiated rates often include administrative overhead and contract markups that exceed the true cost of care, patients with high-deductible plans may find paying the cash price directly more financially advantageous than relying on insurance, provided they have not yet met their deductible.
To maximize savings, patients should explicitly ask the hospital about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront payment incentives can further reduce the final bill. It is important to note that while the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, patients should still review their itemized bill to ensure no unbundled codes or services not rendered are included. Since over 80% of hospital bills contain errors, requesting a full line-by-line audit before payment is the most effective way to avoid unexpected charges and ensure the final amount reflects the agreed-upon negotiated or cash rate.