Blood test, complete blood count (CBC)
Facility: Osborne County Memorial Hospital
Billing Code: 85025 (CPT)
- CPT Billing Code: 85025
- Insurance Median: $59
- Cash Discount Price: $55
- vs. Medicare Baseline: 7.59x 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 $7.77 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 759% of the Medicare baseline (a markup of 659%). 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 | $49 | 631% |
| Health Partners Of Kansas | $56 | 721% |
| Wppa | $62 | 798% |
| Blue Cross Blue Shield | $64 | 824% |
Consumer Guidance & Cost Commentary
For this complete blood count (CBC) test at Osborne County Memorial Hospital in Osborne, KS, the facility's cash price of $55.00 is lower than the state average, which sits at $59.00. While the hospital is a Critical Access Hospital with government-local ownership, patients should note that commercial insurance negotiated rates for this service range from $49.00 to $64.00 depending on the specific plan. Although the cash price appears competitive, it is important to verify your specific deductible status before scheduling, as paying out-of-pocket may result in a higher total cost if your insurance has not yet met its deductible threshold. Additionally, since the facility is in-network for all four major payers listed, you are protected from balance billing for this service under the No Surprises Act, ensuring you only pay your plan's allowed amount rather than the full chargemaster.
To maximize savings, patients should proactively ask the billing department about "self-pay" or "prompt-pay" discounts before check-in, as these upfront payment incentives can significantly reduce the final bill by bypassing administrative claim processing fees. It is also worth noting that while the facility's cash rate is below the state average, the Medicare benchmark for this procedure is $7.77, indicating that even the lowest commercial negotiated rates represent a substantial markup over the federal cost baseline. Consumers should avoid relying on summary bills and instead request a detailed, itemized statement to ensure no errors or unbundled charges are included, as over 80% of hospital bills contain discrepancies that can be corrected through a formal written audit dispute.