Blood test, sodium
Facility: Neosho Memorial Regional Medical Center
Billing Code: 84295 (CPT)
- CPT Billing Code: 84295
- Insurance Median: $35
- Cash Discount Price: $81
- vs. Medicare Baseline: 7.28x 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 $4.81 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 728% of the Medicare baseline (a markup of 628%). 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 | $4 | 83% |
| Blue Cross Blue Shield | $11 - $35 | 229% |
| Tricare | $33 | 686% |
| Medadv_Allwell | $35 | 728% |
| Medadv_Uhc | $35 | 728% |
| Va_Ccn | $35 | 728% |
| Aetna | $35 | 728% |
| Humana | $35 | 728% |
| Medicare (plans) | $35 | 728% |
| Ambetter / Centene | $36 | 748% |
| United | $90 | 1871% |
| Wppa_Providrscare | $90 | 1871% |
| Hpk | $103 | 2141% |
| Coventry | $103 | 2141% |
| Cigna | $103 | 2141% |
Consumer Guidance & Cost Commentary
For this blood test service at Neosho Memorial Regional Medical Center in Chanute, KS, the facility's cash price of $81.00 is notably lower than the state average for this procedure. While the facility's negotiated rate with commercial payers averages $35.00, this figure is often higher than the cash price due to administrative costs and contract structures. Patients with high-deductible plans or those without insurance may find paying the cash price of $81.00 more cost-effective than relying on insurance, which could result in a negotiated rate exceeding the cash amount. It is important to note that while the facility is a Critical Access Hospital with government ownership, commercial rates can still vary significantly based on payer contracts.
To ensure you are not overcharged, always request an itemized bill before paying, as summary bills can obscure individual line items and potential errors. If you receive a balance bill from an out-of-network provider, even at an in-network facility, you may be entitled to protections under the No Surprises Act, which bans balance billing for emergency and non-emergency services. Additionally, ask the billing department about prompt-pay discounts, which can reduce the cash price by 20% to 50% if paid upfront, bypassing the administrative overhead of insurance claims. Comparing your specific situation to the Medicare benchmark of $4.81 reveals the markup inherent in commercial pricing, helping you understand the true cost relative to federal standards.