Blood test, basic metabolic panel
Facility: Neosho Memorial Regional Medical Center
Billing Code: 80048 (CPT)
- CPT Billing Code: 80048
- Insurance Median: $40
- Cash Discount Price: $94
- vs. Medicare Baseline: 4.73x 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 473% of the Medicare baseline (a markup of 373%). 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 |
|---|---|---|
| Medicaid / KanCare | $8 | 95% |
| Blue Cross Blue Shield | $22 - $40 | 260% |
| Tricare | $38 | 449% |
| Va_Ccn | $40 | 473% |
| Medicare (plans) | $40 | 473% |
| Aetna | $40 | 473% |
| Medadv_Uhc | $40 | 473% |
| Medadv_Allwell | $40 | 473% |
| Humana | $40 | 473% |
| Ambetter / Centene | $42 | 496% |
| United | $104 | 1229% |
| Wppa_Providrscare | $104 | 1229% |
| Coventry | $119 | 1407% |
| Cigna | $119 | 1407% |
| Hpk | $119 | 1407% |
Consumer Guidance & Cost Commentary
For this blood test at Neosho Memorial Regional Medical Center in Chanute, KS, the cash price is $94.00, which is lower than the facility's negotiated rates of $40.00 to $119.00 across 15 payers. While the facility is a Critical Access Hospital with a government-local ownership structure, patients should be aware that commercial insurance contracts often result in higher allowed amounts than cash payments. Since the cash price is already below the median negotiated rate of $40.00, paying out-of-pocket may be the most cost-effective option for those with high-deductible plans or those who have already met their annual deductible. It is advisable to contact the hospital directly to confirm if "self-pay" or "prompt-pay" discounts are available, as these upfront incentives can further reduce the final cost.
The facility's Medicare benchmark rate is $8.46, which serves as a baseline for evaluating pricing fairness. Although the commercial negotiated rates range from $8 to $119, the cash price of $94.00 remains significantly higher than the Medicare amount, reflecting the typical markup found in commercial billing. Because over 80% of hospital bills contain errors, patients should request a detailed, itemized statement before paying to ensure no unbundled codes or services not rendered are included. If a balance bill arises from an out-of-network ancillary service, the No Surprises Act may protect patients from paying the difference, so disputing unexpected charges with the insurer is a critical step to avoid surprise debt.