Blood test, calcium
Facility: Osborne County Memorial Hospital
Billing Code: 82310 (CPT)
- CPT Billing Code: 82310
- Insurance Median: $139
- Cash Discount Price: $131
- vs. Medicare Baseline: 26.94x 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 $5.16 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 2694% of the Medicare baseline (a markup of 2594%). 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 | $117 | 2267% |
| Health Partners Of Kansas | $132 | 2558% |
| Wppa | $146 | 2829% |
| Blue Cross Blue Shield | $151 | 2926% |
Consumer Guidance & Cost Commentary
For the CPT code 82310 (Blood test, calcium) at Osborne County Memorial Hospital in Osborne, KS, the facility's cash price of $131.00 is notably lower than the negotiated rates paid by commercial insurers, which range from $117 to $151 depending on the payer. This facility, a Critical Access Hospital owned by the local government, charges significantly less than the state average for this service, as indicated by a 26.9% variance compared to Medicare rates. While commercial payers like UnitedHealthcare and Blue Cross Blue Shield have negotiated rates that exceed the cash price, patients with high-deductible plans may find it financially advantageous to pay the cash price directly, provided they confirm the facility accepts their insurance and the negotiated rate does not exceed the out-of-pocket maximum.
To minimize costs, patients should proactively ask the hospital about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront payment incentives can reduce the final bill by 20% to 50% by bypassing administrative claim processing fees. It is also important to request a full itemized bill rather than accepting a summary invoice, as over 80% of hospital bills contain errors such as unbundled codes or charges for services not rendered. Finally, while the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, patients should verify that all ancillary services, such as specific lab tests, are covered under the facility's network agreements to avoid unexpected additional charges.