Blood test, clotting time (PTT)
Facility: Neosho Memorial Regional Medical Center
Billing Code: 85730 (CPT)
- CPT Billing Code: 85730
- Insurance Median: $46
- Cash Discount Price: $108
- vs. Medicare Baseline: 7.65x 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 $6.01 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 765% of the Medicare baseline (a markup of 665%). 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 | $5 | 83% |
| Blue Cross Blue Shield | $25 - $46 | 416% |
| Tricare | $44 | 732% |
| Aetna | $46 | 765% |
| Humana | $46 | 765% |
| Medadv_Allwell | $46 | 765% |
| Medicare (plans) | $46 | 765% |
| Va_Ccn | $46 | 765% |
| Medadv_Uhc | $46 | 765% |
| Ambetter / Centene | $48 | 799% |
| Wppa_Providrscare | $119 | 1980% |
| United | $119 | 1980% |
| Cigna | $136 | 2263% |
| Coventry | $136 | 2263% |
| Hpk | $136 | 2263% |
Consumer Guidance & Cost Commentary
For this blood clotting time test at Neosho Memorial Regional Medical Center in Chanute, KS, the facility's cash price is $108, which is lower than the state average of $143. While many insurance plans negotiate rates starting at $46, these amounts often exceed the cash price, meaning patients with high-deductible plans might save money by paying out-of-pocket. Because commercial negotiated rates frequently include administrative overhead and do not reflect the true cost of care, it is important to compare these figures against the Medicare benchmark of $6.01, which serves as a scientifically validated baseline for the service's actual cost.
Before scheduling, patients should verify their specific plan's allowed amount and ask the hospital directly about "self-pay" or "prompt-pay" discounts, which can reduce the final bill by 20% to 50%. If you choose to use insurance, be aware that the facility may submit a claim to your insurer even if you agreed to pay cash, so signing a waiver to stop claims submission is recommended to avoid unexpected balance billing. Additionally, if you receive a summary bill, request a full itemized statement to ensure no errors or unbundled charges are included, as over 80% of hospital bills contain mistakes that can be corrected through a formal written audit dispute.