Urinalysis (automated, with microscopy)
Facility: Amberwell Atchison Association
Billing Code: 81001 (CPT)
- CPT Billing Code: 81001
- Insurance Median: $17
- Cash Discount Price: $33
- vs. Medicare Baseline: 5.36x 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 536% of the Medicare baseline (a markup of 436%). 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 | $9 - $10 | 284% |
| Humana | $11 - $15 | 347% |
| UnitedHealthcare | $11 - $59 | 347% |
| Triwest - All Plans | $11 | 347% |
| Superior Select Mcr Adv - All Plans | $11 | 347% |
| Va Ccn - All Plans | $11 | 347% |
| Ambetter / Centene | $17 | 536% |
| Aetna | $18 | 568% |
| Cigna | $18 | 568% |
| Oscar - All Plans | $25 | 789% |
| Centrus Health Direct - All Plans | $25 | 789% |
| Multiplan - All Plans | $26 | 820% |
| Wppa Providrs Care - All Plans | $30 | 946% |
Consumer Guidance & Cost Commentary
For the CPT code 81001, Urinalysis (automated, with microscopy), Amberwell Atchison Association in Atchison, KS, lists a cash price of $33.00. This cash rate is significantly higher than the state average, which is $11.00, and also exceeds the Medicare benchmark of $3.17. While commercial insurance plans typically negotiate lower rates—ranging from $9 to $59 depending on the carrier—these negotiated amounts often include administrative overhead and do not reflect the actual cost to the patient. For individuals with high-deductible plans who have not yet met their coverage threshold, paying the cash price of $33.00 upfront may be more cost-effective than relying on insurance, which could result in a higher out-of-pocket expense once the deductible is applied.
Patients should verify their specific plan details before scheduling, as in-network status does not guarantee the lowest possible price, and some facilities may offer prompt-pay discounts for upfront cash payments. It is important to request a self-pay classification at registration to avoid automatic claims submission, which can void potential cash discounts and lead to balance billing if the insurance allowed amount differs from the cash rate. Given that over 80% of hospital bills contain errors, consumers are encouraged to request a detailed, itemized bill to review every charge and ensure accuracy before finalizing payment.