Blood test, vitamin B12
Facility: Clay County Medical Center
Billing Code: 82607 (CPT)
- CPT Billing Code: 82607
- Insurance Median: $57
- Cash Discount Price: $60
- vs. Medicare Baseline: 3.78x 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 $15.08 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 378% of the Medicare baseline (a markup of 278%). 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 |
|---|---|---|
| Multiplan- All Plans | $16 - $114 | 106% |
| Health Partners - All Plans | $16 - $114 | 106% |
| Wppa/Providrs Care- All Plans | $16 - $112 | 106% |
| UnitedHealthcare | $16 - $114 | 106% |
| Aetna | $16 - $112 | 106% |
Consumer Guidance & Cost Commentary
For the CPT code 82607, representing a blood test for vitamin B12, Clay County Medical Center in Clay Center, KS, lists a cash price of $60.00. This cash rate is identical to the facility's negotiated median of $57.00 and the state median of $55.00, indicating that paying out-of-pocket or through a self-pay arrangement yields the same financial outcome as utilizing insurance for this specific service. While the facility's negotiated rates range from $16.00 to $114.00 across five payers, the cash price remains the most consistent benchmark. Patients with high-deductible plans should consider that paying the cash price of $60.00 upfront may be more cost-effective than relying on insurance, which could result in higher out-of-pocket costs if the deductible has not yet been met or if the negotiated rate exceeds the cash amount.
To ensure you are receiving the most accurate pricing, it is critical to request an itemized bill before finalizing payment, as summary bills often obscure individual charges and may include unbundled codes or services not rendered. Although the facility is a Critical Access Hospital owned by the local government, commercial insurance contracts can sometimes inflate administrative costs, making the cash price a reliable baseline for comparison. If you choose to use insurance, verify your deductible status and ask the billing department specifically about "prompt-pay" discounts, which can reduce the final amount owed by 20% to 50% if paid in full within a short window. Always compare the facility's rates against the Medicare benchmark of $15.08 to understand the true cost basis, as commercial rates often reflect