Blood test, cholesterol (lipid panel)
Facility: Neosho Memorial Regional Medical Center
Billing Code: 80061 (CPT)
- CPT Billing Code: 80061
- Insurance Median: $50
- Cash Discount Price: $116
- vs. Medicare Baseline: 3.73x 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 $13.39 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 373% of the Medicare baseline (a markup of 273%). 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 | $13 | 97% |
| Blue Cross Blue Shield | $48 - $50 | 358% |
| Tricare | $48 | 358% |
| Medadv_Uhc | $50 | 373% |
| Medadv_Allwell | $50 | 373% |
| Medicare (plans) | $50 | 373% |
| Humana | $50 | 373% |
| Aetna | $50 | 373% |
| Va_Ccn | $50 | 373% |
| Ambetter / Centene | $52 | 388% |
| United | $129 | 963% |
| Wppa_Providrscare | $129 | 963% |
| Coventry | $148 | 1105% |
| Cigna | $148 | 1105% |
| Hpk | $148 | 1105% |
Consumer Guidance & Cost Commentary
For the blood test, cholesterol (lipid panel) procedure at Neosho Memorial Regional Medical Center in Chanute, KS, the facility's cash median price is $116.00, which is lower than the state average of $155.00. While the facility's negotiated rates with major payers like Blue Cross Blue Shield and United range between $48.00 and $148.00, these amounts are often higher than the cash price due to administrative costs and contract structures. Patients with high-deductible plans may find paying the cash median of $116.00 directly more cost-effective than relying on insurance, which could result in higher out-of-pocket costs if their deductible has not been met or if the negotiated rate exceeds their personal financial threshold.
To minimize potential surprise costs, patients should explicitly ask the hospital about "self-pay" or "prompt-pay" discounts before scheduling, as these programs can offer significant fee reductions for upfront payment. It is also important to request a detailed, itemized bill rather than accepting a summary invoice, as over 80% of hospital bills contain errors such as double-billing or unbundled codes that can be corrected through a formal audit. Finally, if a patient receives a balance bill for services rendered at an in-network facility, they should verify the legality of the charge under the No Surprises Act, which prohibits balance billing for emergency care and non-emergency services from out-of-network providers at in-network facilities.