Blood test, basic metabolic panel
Facility: Osborne County Memorial Hospital
Billing Code: 80048 (CPT)
- CPT Billing Code: 80048
- Insurance Median: $91
- Cash Discount Price: $85
- 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 |
|---|---|---|
| UnitedHealthcare | $76 | 898% |
| Health Partners Of Kansas | $86 | 1017% |
| Wppa | $95 | 1123% |
| Blue Cross Blue Shield | $98 | 1158% |
Consumer Guidance & Cost Commentary
For the basic metabolic panel blood test at Osborne County Memorial Hospital in Osborne, KS, the cash price is $85.00, which is lower than the facility's negotiated rates with major payers like UnitedHealthcare ($76.00) and Health Partners Of Kansas ($86.00). While this cash rate is higher than the Medicare benchmark of $8.46, it remains below the facility's median negotiated rate of $91.00. Patients with high-deductible plans or those without insurance may find paying the $85.00 cash price more cost-effective than relying on insurance, as the negotiated rates often exceed the cash amount. It is important to note that while the facility is a Critical Access Hospital with government-local ownership, patients should verify if "self-pay" or "prompt-pay" discounts are available before scheduling to potentially lower the final cost.
This service is subject to federal protections against surprise billing under the No Surprises Act, which prevents balance billing for out-of-network providers at in-network facilities. If a patient receives an itemized bill that includes unexpected charges for ancillary services, they should request a formal written audit rather than accepting summary bills or signing away their rights via consent waivers. Since over 80% of hospital bills contain errors, patients are encouraged to dispute any discrepancies in writing to ensure they are only paying for services actually rendered. By comparing the facility's pricing directly to the Medicare rate and understanding the difference between cash and negotiated fees, consumers can make informed decisions about their healthcare spending.