CMS Price Transparency Data

Blood test, ferritin (iron stores)

Facility: Holyoke Medical Center

Billing Code: 82728 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82728
Insurance Median: $15
Cash Discount Price: $48
vs. Medicare Baseline: 1.10x Medicare

The contracted insurance negotiated median rate for a Blood test, ferritin (iron stores) at Holyoke Medical Center is $15. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $48. Compared to the federal Medicare reimbursement reference rate of $13.63, this hospital’s rate is 1.10x the Medicare baseline. Located in 575 Beech Street, Holyoke, MA.

Cash / Self-Pay

$48

Average discount available for prompt cash payment at this facility.

Insurance Median

$15

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$13.63

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $13.63 (100%)

Cash / Self-Pay: $48 (352%)

Insurance Median: $15 (110%)

Cash: $48 (352% of Medicare)

Ins. Median: $15 (110% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $13.63 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.

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
Bmchp	$12	88%
Fallon	$12 - $15	88%
Health New England	$12 - $18	88%
Aetna	$13 - $14	95%
Blue Cross Blue Shield	$13 - $34	95%
Tufts Health Plan	$13 - $27	95%
UnitedHealthcare	$13 - $23	95%
Commonwealth Care Alliance	$14	103%
Wellcare	$14	103%
Wellsense Sco	$14	103%
Senior Whole Health	$15	110%
Wellsense Direct Metals Silver	$15	110%
Tufts Health Public Plans	$16 - $24	117%
Cigna	$20	147%
Harvard Pilgrim	$23	169%
Gic Unicare	$28	205%

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 $48.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82728.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Holyoke Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 82728.
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.