Blood test, vitamin D
Facility: Memorial Hospital
Billing Code: 82306 (CPT)
- CPT Billing Code: 82306
- Insurance Median: $160
- Cash Discount Price: $291
- vs. Medicare Baseline: 5.41x 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 $29.6 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 541% of the Medicare baseline (a markup of 441%). 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 |
|---|---|---|
| Humana | $146 | 493% |
| Tricare | $146 | 493% |
| Medicare (plans) | $147 | 497% |
| Blue Cross Blue Shield | $154 | 520% |
| Ambetter / Centene | $160 | 541% |
| Coventry - All Other Plans | $262 | 885% |
| Health Partners Of Kansas - All Plans | $276 | 932% |
| Preferred Healthcare-All Plans | $276 | 932% |
| Wppa/Providers Care-All Plans | $407 | 1375% |
Consumer Guidance & Cost Commentary
For the CPT code 82306 (Blood test, vitamin D) at Memorial Hospital in Abilene, KS, the cash price is $291.00, which matches the facility's median paid amount. This cash rate is significantly higher than the state average for this service, as indicated by a 5.4% variance compared to Medicare benchmarks. While commercial insurance plans like Humana and Tricare negotiate a rate of $146, and others such as Ambetter/Centene pay $160, these negotiated amounts often exceed the cash price for patients with high-deductible plans. In such cases, paying the cash price directly can result in lower out-of-pocket costs, provided the patient qualifies for a self-pay or prompt-pay discount. It is crucial to verify your specific plan's allowed amount before scheduling, as assuming that being in-network guarantees the lowest price can lead to paying more than necessary.
Patients should be aware that hospitals often issue summary bills that obscure individual charges, making it difficult to identify errors or unbundled services. To protect against overcharging, consumers should request a full itemized bill showing specific CPT codes and unit costs before finalizing payment. Additionally, while the facility is a Critical Access Hospital owned by a government authority, the presence of multiple payers with varying negotiated rates highlights the importance of understanding contract dynamics. If you receive a large bill after using insurance, do not pay immediately; instead, dispute the amount in writing and request a No Surprises Act audit if out-of-network services were involved. Always confirm with the billing department whether your specific situation qualifies for a prompt-pay discount, which can reduce the total cost by offering immediate liquidity in exchange for upfront