CMS Price Transparency Data

Blood test, basic metabolic panel

Facility: Cambridge Medical Center

Billing Code: 80048 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 80048
Insurance Median: $29
Cash Discount Price: $64
vs. Medicare Baseline: 3.43x Medicare

The contracted insurance negotiated median rate for a Blood test, basic metabolic panel at Cambridge Medical Center is $29. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $64. Compared to the federal Medicare reimbursement reference rate of $8.46, this hospital’s rate is 3.43x the Medicare baseline. Located in 701 South Dellwood Avenue, Cambridge, MN.

Cash / Self-Pay

$64

Average discount available for prompt cash payment at this facility.

Insurance Median

$29

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$8.46

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $8.46 (100%)

Cash / Self-Pay: $64 (757%)

Insurance Median: $29 (343%)

Cash: $64 (757% of Medicare)

Ins. Median: $29 (343% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $8.46 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 343% of the Medicare baseline (a markup of 243%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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
Ucare Pmap (A B C D E G N O S U R H)	$6 - $40	71%
Aetna	$8 - $118	95%
Medicaid / KanCare	$8	95%
Medicare (plans)	$8	95%
Blue Cross Blue Shield	$9 - $62	106%
Hennepin Health	$9	106%
Medica	$9 - $152	106%
Scha Msho (D)	$9	106%
Medica Health System	$15 - $160	177%
Healthpartners	$20 - $135	236%
Medica Ubh (D)	$21 - $167	248%
UnitedHealthcare	$21 - $137	248%
Health Partners	$22 - $147	260%
Americas Ppo (Araz)(B D N O R S V)	$23 - $154	272%
Medica Mhps	$23 - $152	272%
Americas Ppo (Araz) (B D N H O R S)	$25 - $167	296%
First Health (A C E G H U B D N O R S)	$25 - $167	296%
All Other Contracted Care (A B C D E G H N O R S U)	$30 - $199	355%

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 $64.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 80048.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Cambridge Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 80048.
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.