Culture, blood
Facility: Kingman Healthcare Center
Billing Code: 87040 (CPT)
- CPT Billing Code: 87040
- Insurance Median: $6
- Cash Discount Price: $6
- vs. Medicare Baseline: 0.58x 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 $10.32 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.
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 |
|---|---|---|
| Humana | $4 - $6 | 39% |
| Medicaid / KanCare | $4 - $9 | 39% |
| Wellcare | $4 - $6 | 39% |
| Celtic Insurance Company | $4 - $6 | 39% |
| UnitedHealthcare | $4 - $13 | 39% |
| Ambetter / Centene | $4 - $6 | 39% |
| Health Partners | $9 - $13 | 87% |
| Healthy Blue | $9 | 87% |
| Aetna | $9 - $13 | 87% |
| Cigna | $9 - $13 | 87% |
| Triwest | $10 | 97% |
Consumer Guidance & Cost Commentary
For the CPT code 87040, "Culture, blood," Kingman Healthcare Center in Kingman, KS, lists a cash median price of $6.00, which is 40% lower than the facility's gross charge of $12.00. This cash rate is also 42% below the Medicare benchmark of $10.32, indicating a pricing structure that aligns closely with the true cost of service delivery rather than inflated list prices. While the facility is a Critical Access Hospital owned by a voluntary non-profit, patients should be aware that commercial insurance negotiated rates for this service range from $4.00 to $13.00 across various payers, including Humana, Medicaid/KanCare, and UnitedHealthcare. In many cases, paying the cash price directly can result in significant savings compared to the negotiated rates your insurer may allow, particularly if your plan has a high deductible or if the negotiated amount exceeds the cash price.
To maximize potential savings, patients are encouraged to explicitly request "self-pay" or "prompt-pay" discounts before scheduling any appointments, as these upfront payment incentives can further reduce the final bill. It is important to avoid balance billing by ensuring that all services are covered under an in-network agreement, as the No Surprises Act protects patients from unexpected out-of-network charges for emergency care and non-emergency services at in-network facilities. If you receive a bill that appears higher than expected, you should request a detailed, itemized audit to verify that no unbundled codes or services not rendered have been included, as over 80% of hospital bills contain errors that can be corrected through formal written disputes. Always compare the final