CMS Price Transparency Data

Culture, bacterial

Facility: University of Louisville Hospital

Billing Code: 87070 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87070
Insurance Median: $174
Cash Discount Price: $145
vs. Medicare Baseline: 20.19x Medicare

The contracted insurance negotiated median rate for a Culture, bacterial at University of Louisville Hospital is $174. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $145. Compared to the federal Medicare reimbursement reference rate of $8.62, this hospital’s rate is 20.19x the Medicare baseline. Located in 530 South Jackson Street, Louisville, KY.

Cash / Self-Pay

$145

Average discount available for prompt cash payment at this facility.

Insurance Median

$174

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$8.62

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $8.62 (100%)

Cash / Self-Pay: $145 (1682%)

Insurance Median: $174 (2019%)

Cash: $145 (1682% of Medicare)

Ins. Median: $174 (2019% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $8.62 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 2019% of the Medicare baseline (a markup of 1919%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

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	$7 - $604	81%
Aetna	$8 - $102	93%
Humana	$8 - $102	93%
Communicare	$9	104%
Devoted	$9 - $181	104%
Essence Health	$9	104%
Passport	$9 - $302	104%
Senior Care Community Of Ky	$9	104%
Signature	$9 - $302	104%
UnitedHealthcare	$9 - $288	104%
Va Ccn	$9	104%
Wellcare	$10 - $12	116%
Key Benefit Administrators	$11	128%
Velocity	$11 - $592	128%
Cigna	$14	162%
Prime Group Health	$167 - $513	1937%
Cshn	$393 - $604	4559%
Multiplan	$399 - $544	4629%
Encore	$423	4907%
Health Smart	$453	5255%
Omca	$574	6659%
Corvel	$604	7007%
National Comp Care	$604	7007%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $145.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 87070.

Insurance In-Network Protection Plan

Contact your insurance company to confirm University of Louisville Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 87070.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.