Blood test, calcium
Facility: Memorial Hospital
Billing Code: 82310 (CPT)
- CPT Billing Code: 82310
- Insurance Median: $39
- Cash Discount Price: $72
- vs. Medicare Baseline: 7.56x 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 $5.16 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 756% of the Medicare baseline (a markup of 656%). 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 |
|---|---|---|
| Blue Cross Blue Shield | $8 | 155% |
| Medicare (plans) | $36 | 698% |
| Tricare | $36 | 698% |
| Humana | $36 | 698% |
| Ambetter / Centene | $39 | 756% |
| Coventry - All Other Plans | $64 | 1240% |
| Health Partners Of Kansas - All Plans | $68 | 1318% |
| Preferred Healthcare-All Plans | $68 | 1318% |
| Wppa/Providers Care-All Plans | $100 | 1938% |
Consumer Guidance & Cost Commentary
For this blood test for calcium at Memorial Hospital in Abilene, KS, the cash price is $72.00, which matches the facility's median negotiated rate of $39.00. This cash price is significantly lower than the facility's gross charge of $72.00 and represents a substantial discount compared to the Medicare benchmark of $5.16. While the facility is a Critical Access Hospital with a government ownership structure, patients should note that commercial insurance negotiated rates for this service are generally higher than cash prices due to administrative costs and contract dynamics. For individuals with high-deductible plans, paying the cash price of $72.00 upfront may be more cost-effective than relying on insurance, which could result in higher out-of-pocket costs if the deductible has not been met.
The facility offers a prompt-pay discount for patients who settle their bill in full, potentially reducing the final amount owed. It is important to request self-pay or prompt-pay classification before check-in to avoid automatic claims submission to insurance, which can void cash agreements. Although the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, patients should always verify their specific plan details and ask the hospital directly about any available self-pay discounts. With the facility located in Abilene, KS (ZIP 67410), consumers are encouraged to contact the billing department to confirm the exact cash rate and ensure they are not being charged the full chargemaster list price.