Blood test, sodium
Facility: Minneola District Hospital
Billing Code: 84295 (CPT)
- CPT Billing Code: 84295
- Insurance Median: $17
- Cash Discount Price: $13
- vs. Medicare Baseline: 3.53x 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 $4.81 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 353% of the Medicare baseline (a markup of 253%). 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 | $10 | 208% |
| Humana | $13 | 270% |
| UnitedHealthcare | $13 - $19 | 270% |
| Va Community Care Program-All Plans | $13 | 270% |
| Providrs Care Network-All Plans | $16 | 333% |
| Corporate Plan Management-All Plans | $16 | 333% |
| Triwest-All Plans | $17 | 353% |
| Preferred Health Care (Coventry)-All Other Plans | $17 | 353% |
| Aetna | $18 - $19 | 374% |
| Phc (Coventry) Leased Network | $18 | 374% |
| Health Partners Of Kansas-All Plans | $18 | 374% |
| Medicaid / KanCare | $19 | 395% |
Consumer Guidance & Cost Commentary
For the blood test for sodium (CPT 84295) at Minneola District Hospital, the cash price is $13.00, which is lower than the facility's negotiated rates of $17.00 and the Medicare benchmark of $4.81. While the facility is a Critical Access Hospital in Kansas, patients with high-deductible plans may find paying the cash price of $13.00 more cost-effective than using insurance, as the negotiated rate of $17.00 exceeds the cash amount. To maximize savings, we recommend asking the hospital directly about "self-pay" or "prompt-pay" discounts, which can further reduce the final bill before any insurance processing occurs.
It is important to understand that commercial insurance rates often include administrative costs and contract markups that can exceed the true cost of care. Although the Medicare rate of $4.81 represents a baseline for fair pricing, the negotiated rate of $17.00 reflects the specific contract terms with insurers like Blue Cross Blue Shield and Humana. If you receive a bill that includes charges higher than these rates, you may be facing balance billing, which is generally prohibited for out-of-network services at in-network facilities under the No Surprises Act. We advise requesting a full itemized bill to verify that no unbundled codes or services not rendered have inflated your total, ensuring you are only paying for the actual service provided.