CMS Price Transparency Data

Blood test, calcium

Facility: Charlevoix Area Hospital

Billing Code: 82310 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82310
Insurance Median: $10
Cash Discount Price: $27
vs. Medicare Baseline: 1.94x Medicare

The contracted insurance negotiated median rate for a Blood test, calcium at Charlevoix Area Hospital is $10. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $27. Compared to the federal Medicare reimbursement reference rate of $5.16, this hospital’s rate is 1.94x the Medicare baseline. Located in 14700 Lakeshore Drive, Charlevoix, MI.

Cash / Self-Pay

$27

Average discount available for prompt cash payment at this facility.

Insurance Median

$10

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5.16

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5.16 (100%)

Cash / Self-Pay: $27 (523%)

Insurance Median: $10 (194%)

Cash: $27 (523% of Medicare)

Ins. Median: $10 (194% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $5.16 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
Blue Cross Blue Shield	$1 - $48	19%
Mclaren Health Plan	$4 - $48	78%
Meridian	$4	78%
Priority Health	$4 - $52	78%
UnitedHealthcare	$4 - $45	78%
Aetna	$5 - $47	97%
Blue Care Network	$5 - $24	97%
Cigna	$5 - $52	97%
Hap (Health Alliance Plan)	$5 - $42	97%
Medicare (plans)	$5 - $24	97%
Michigan Amish Medical Board	$5 - $24	97%
Northern Michigan Mennonite Group	$5 - $24	97%
Molina	$6 - $26	116%
Hospice Of Michigan	$7 - $31	136%
Provider Network Of America/Hma Group Health	$7 - $44	136%
Asr Physicians Care Network	$9 - $42	174%
Employee Benefits Logistics	$9 - $42	174%
Enterprise Group Planning Employee Benefit Plan	$9 - $42	174%
First Health/Coventry Health/Community Care Network	$9 - $42	174%
Medical Cost Savings Solution	$9 - $42	174%
Three Rivers Provider Network	$9 - $44	174%
Cofinity	$10 - $48	194%
Iba Health And Life Assurance Company	$10 - $48	194%
Nomi Health	$10 - $48	194%
Preferred Medical Claim Solutions	$10 - $49	194%

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 $27.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82310.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Charlevoix Area Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 82310.
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.