Blood test, basic metabolic panel
Facility: Minneola District Hospital
Billing Code: 80048 (CPT)
- CPT Billing Code: 80048
- Insurance Median: $27
- Cash Discount Price: $21
- vs. Medicare Baseline: 3.19x 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 319% of the Medicare baseline (a markup of 219%). 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 | $20 | 236% |
| Va Community Care Program-All Plans | $20 | 236% |
| Humana | $20 | 236% |
| UnitedHealthcare | $20 - $30 | 236% |
| Corporate Plan Management-All Plans | $26 | 307% |
| Providrs Care Network-All Plans | $26 | 307% |
| Preferred Health Care (Coventry)-All Other Plans | $27 | 319% |
| Triwest-All Plans | $27 | 319% |
| Health Partners Of Kansas-All Plans | $28 | 331% |
| Aetna | $28 - $30 | 331% |
| Phc (Coventry) Leased Network | $28 | 331% |
| Medicaid / KanCare | $30 | 355% |
Consumer Guidance & Cost Commentary
For this basic metabolic panel test at Minneola District Hospital, the cash median price is $21.00, which is lower than the facility's negotiated rate of $27.00 and the state average of $26.00. While the facility is a Critical Access Hospital in Kansas, patients with high-deductible plans may find paying cash upfront more cost-effective than using insurance, as the negotiated rate often exceeds the cash price. To maximize savings, we recommend asking 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.
The Medicare benchmark for this service is $8.46, which serves as a baseline for evaluating the facility's pricing structure. Although the facility's negotiated rates are higher than the Medicare amount, they remain within the typical range for commercial insurance contracts. Patients should be aware that balance billing is generally prohibited for in-network services under the No Surprises Act, but it is crucial to verify your specific plan's network status and deductible requirements before receiving care to avoid unexpected costs. Always request a detailed, itemized bill after your visit to ensure all charges are accurate and to identify any unbundled codes or services that were not rendered.