Urinalysis (automated, with microscopy)
Facility: Neosho Memorial Regional Medical Center
Billing Code: 81001 (CPT)
- CPT Billing Code: 81001
- Insurance Median: $27
- Cash Discount Price: $64
- vs. Medicare Baseline: 8.52x 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 $3.17 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 852% of the Medicare baseline (a markup of 752%). 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 | $3 | 95% |
| Blue Cross Blue Shield | $11 - $27 | 347% |
| Tricare | $26 | 820% |
| Va_Ccn | $27 | 852% |
| Aetna | $27 | 852% |
| Medicare (plans) | $27 | 852% |
| Medadv_Uhc | $27 | 852% |
| Medadv_Allwell | $27 | 852% |
| Humana | $27 | 852% |
| Ambetter / Centene | $29 | 915% |
| United | $71 | 2240% |
| Wppa_Providrscare | $71 | 2240% |
| Cigna | $81 | 2555% |
| Coventry | $81 | 2555% |
| Hpk | $81 | 2555% |
Consumer Guidance & Cost Commentary
For the automated urinalysis with microscopy service at Neosho Memorial Regional Medical Center in Chanute, KS, the facility's cash median price of $64.00 is notably higher than the state average of $58.00. While commercial insurance plans like Blue Cross Blue Shield and United negotiate rates ranging from $27.00 to $81.00, these negotiated amounts often exceed the cash price due to administrative overhead and contract structures. Patients with high-deductible plans may find it financially advantageous to pay the cash rate directly, as the insurance negotiated ceiling can sometimes be significantly higher than the out-of-pocket cash cost. It is important to verify the specific allowed amount for your plan before scheduling, as in-network rates vary widely across different carriers.
To minimize costs, patients should proactively inquire about "self-pay" or "prompt-pay" discounts before check-in, which can reduce the final bill by 20% to 50% by bypassing insurance claims processing. Additionally, since the facility is a Critical Access Hospital with a government-local ownership structure, comparing the commercial negotiated rates to the Medicare benchmark of $3.17 reveals a substantial markup, highlighting that commercial rates often reflect administrative costs rather than pure service delivery. If you receive a bill, always request a full itemized statement to identify any errors or unbundled charges, as over 80% of hospital bills contain discrepancies that can be resolved through a formal written audit dispute.