CMS Price Transparency Data

Blood test, vitamin B12

Facility: Charlevoix Area Hospital

Billing Code: 82607 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82607
Insurance Median: $15
Cash Discount Price: $35
vs. Medicare Baseline: 0.99x Medicare

The contracted insurance negotiated median rate for a Blood test, vitamin B12 at Charlevoix Area Hospital is $15. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $35. Compared to the federal Medicare reimbursement reference rate of $15.08, this hospital’s rate is 0.99x the Medicare baseline. Located in 14700 Lakeshore Drive, Charlevoix, MI.

Cash / Self-Pay

$35

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: $35 (232%)

Insurance Median: $15 (99%)

Cash: $35 (232% 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
Aetna	$7 - $60	46%
Blue Care Network	$7 - $31	46%
Hap (Health Alliance Plan)	$7 - $54	46%
Mclaren Health Plan	$7 - $62	46%
Medicare (plans)	$7 - $31	46%
Michigan Amish Medical Board	$7 - $31	46%
Northern Michigan Mennonite Group	$7 - $31	46%
Priority Health	$7 - $67	46%
UnitedHealthcare	$7 - $58	46%
Molina	$8 - $34	53%
Hospice Of Michigan	$9 - $40	60%
Blue Cross Blue Shield	$11 - $62	73%
Meridian	$11	73%
Asr Physicians Care Network	$12 - $54	80%
Employee Benefits Logistics	$12 - $54	80%
Enterprise Group Planning Employee Benefit Plan	$12 - $54	80%
First Health/Coventry Health/Community Care Network	$12 - $54	80%
Medical Cost Savings Solution	$12 - $54	80%
Provider Network Of America/Hma Group Health	$13 - $57	86%
Three Rivers Provider Network	$13 - $57	86%
Cofinity	$14 - $62	93%
Iba Health And Life Assurance Company	$14 - $62	93%
Nomi Health	$14 - $62	93%
Preferred Medical Claim Solutions	$14 - $64	93%
Cigna	$15 - $67	99%

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 $35.
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 Charlevoix Area 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.