Blood test, cholesterol (lipid panel)
Facility: Osborne County Memorial Hospital
Billing Code: 80061 (CPT)
- CPT Billing Code: 80061
- Insurance Median: $86
- Cash Discount Price: $87
- vs. Medicare Baseline: 6.42x 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 $13.39 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 642% of the Medicare baseline (a markup of 542%). 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 | $57 - $97 | 426% |
| Health Partners Of Kansas | $65 - $110 | 485% |
| Wppa | $71 - $122 | 530% |
| Blue Cross Blue Shield | $74 - $125 | 553% |
Consumer Guidance & Cost Commentary
For the blood test, cholesterol (lipid panel) procedure at Osborne County Memorial Hospital, the cash median price is $87.00, which is lower than the facility's gross charge of $102.00. While the hospital is a Critical Access Hospital in Osborne, KS, with government-local ownership, patients with high-deductible plans may find paying cash directly more cost-effective than using insurance, as commercial negotiated rates often exceed cash prices due to administrative overhead. The facility offers a cash median of $87.00, which is notably lower than the state average of $13.39 for Medicare amounts, suggesting that cash payment could result in significant savings compared to standard insurance reimbursement for this service.
Insurance payers including UnitedHealthcare, Health Partners Of Kansas, Wppa, and Blue Cross Blue Shield have negotiated rates ranging from $57 to $125, with the median negotiated amount listed at $86.00. Because these rates are contractually agreed-upon ceilings, they may still be higher than the cash price for patients who have not met their deductible or are self-pay. To ensure you receive the best possible rate, it is recommended to explicitly ask the hospital about "self-pay" or "prompt-pay" discounts before scheduling, as these upfront payment incentives can further reduce the final bill by bypassing costly insurance claims processing.