Blood test, calcium
Facility: Scott County Hospital
Billing Code: 82310 (CPT)
- CPT Billing Code: 82310
- Insurance Median: $55
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 10.66x 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 $5.16 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 1066% of the Medicare baseline (a markup of 966%). 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 | $5 - $58 | 97% |
| Blue Cross Blue Shield | $11 | 213% |
| Humana | $26 | 504% |
| Wppa | $37 - $1,200 | 717% |
| Aetna | $55 | 1066% |
Consumer Guidance & Cost Commentary
For this blood calcium test at Scott County Hospital, the negotiated rates paid by insurance carriers range from $11 to $1,200, with a median negotiated amount of $55.00. This facility is a Critical Access Hospital in Scott City, Kansas, and its pricing is significantly higher than the state average, which is reflected in the 10.7% variance compared to Medicare rates. While commercial insurance contracts set a ceiling on what payers like UnitedHealthcare and Humana will reimburse, these negotiated amounts often exceed what a patient might pay out-of-pocket. For individuals with high-deductible plans, paying the cash price directly can sometimes be more cost-effective than relying on insurance, provided the facility offers a self-pay discount.
Patients should proactively contact the hospital before scheduling to request a self-pay or prompt-pay discount, which can reduce the final bill by 20% to 50% for upfront payment. It is important to avoid automatic claims submission, as this can void any cash savings and trigger balance billing if the insurance allowed amount is lower than the facility's charge. To ensure accuracy, always request a full itemized bill rather than accepting a summary invoice, as over 80% of hospital bills contain errors such as unbundled codes or charges for services not rendered. By comparing the facility's rates against the Medicare benchmark of $5.16 and verifying your deductible status, you can make informed decisions that prevent unexpected financial burdens.