CMS Price Transparency Data

Blood test, vitamin B12

Facility: Munson Healthcare Otsego Memorial Hospital

Billing Code: 82607 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82607
Insurance Median: $15
Cash Discount Price: $50
vs. Medicare Baseline: 0.99x Medicare

The contracted insurance negotiated median rate for a Blood test, vitamin B12 at Munson Healthcare Otsego Memorial Hospital is $15. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $50. Compared to the federal Medicare reimbursement reference rate of $15.08, this hospital’s rate is 0.99x the Medicare baseline. Located in 825 N Center Ave, Gaylord, MI.

Cash / Self-Pay

$50

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

$15.08

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $15.08 (100%)

Cash / Self-Pay: $50 (332%)

Insurance Median: $15 (99%)

Cash: $50 (332% of Medicare)

Ins. Median: $15 (99% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $15.08 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
UnitedHealthcare	$5 - $82	33%
Blue Cross Blue Shield	$8 - $64	53%
Mclaren Health Plan	$8 - $86	53%
Meridian	$8	53%
Molina	$8 - $16	53%
Priority Health	$8 - $65	53%
Hospice Of Michigan	$9 - $62	60%
Munson Hospice	$10 - $852	66%
Aetna	$12 - $83	80%
Asr Physicians Care Network	$12 - $82	80%
Enterprise Group Planning/Employee Benefit Plan	$12 - $82	80%
Hap (Health Alliance Plan)	$12 - $82	80%
Nomi Health	$12 - $82	80%
Cofinity	$13 - $93	86%
Provider Network Of America/Hawaii Mainland Administrative Group Health	$13 - $88	86%
Three Rivers Provider Network	$13 - $88	86%
Blue Care Network	$15	99%
Humana	$15	99%
Medicare (plans)	$15	99%
Michigan Amish Medical Board	$15	99%
Northern Michigan Mennonite Group	$15	99%
Cigna	$16 - $65	106%
Employee Benefit Logistics	$26	172%

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 $50.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82607.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Munson Healthcare Otsego Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 82607.
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.