CMS Price Transparency Data

Blood test, vitamin D

Facility: Munson Healthcare Otsego Memorial Hospital

Billing Code: 82306 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82306
Insurance Median: $30
Cash Discount Price: $56
vs. Medicare Baseline: 1.01x Medicare

The contracted insurance negotiated median rate for a Blood test, vitamin D at Munson Healthcare Otsego Memorial Hospital is $30. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $56. Compared to the federal Medicare reimbursement reference rate of $29.6, this hospital’s rate is 1.01x the Medicare baseline. Located in 825 N Center Ave, Gaylord, MI.

Cash / Self-Pay

$56

Average discount available for prompt cash payment at this facility.

Insurance Median

$30

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$29.6

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $29.6 (100%)

Cash / Self-Pay: $56 (189%)

Insurance Median: $30 (101%)

Cash: $56 (189% of Medicare)

Ins. Median: $30 (101% of 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.

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	$10 - $89	34%
Blue Cross Blue Shield	$12 - $69	41%
Hospice Of Michigan	$12 - $67	41%
Munson Hospice	$14 - $852	47%
Mclaren Health Plan	$15 - $93	51%
Meridian	$15	51%
Molina	$15 - $32	51%
Priority Health	$15 - $53	51%
Aetna	$16 - $90	54%
Asr Physicians Care Network	$16 - $89	54%
Enterprise Group Planning/Employee Benefit Plan	$16 - $89	54%
Hap (Health Alliance Plan)	$16 - $89	54%
Nomi Health	$16 - $89	54%
Cofinity	$17 - $100	57%
Provider Network Of America/Hawaii Mainland Administrative Group Health	$17 - $94	57%
Three Rivers Provider Network	$17 - $94	57%
Blue Care Network	$30	101%
Humana	$30	101%
Medicare (plans)	$30	101%
Michigan Amish Medical Board	$30	101%
Northern Michigan Mennonite Group	$30	101%
Cigna	$31 - $53	105%
Employee Benefit Logistics	$50	169%

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 $56.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82306.

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 82306.
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.