CMS Price Transparency Data

Culture, blood

Facility: Owatonna Hospital

Billing Code: 87040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87040
Insurance Median: $69
Cash Discount Price: $62
vs. Medicare Baseline: 6.69x Medicare

The contracted insurance negotiated median rate for a Culture, blood at Owatonna Hospital is $69. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $62. Compared to the federal Medicare reimbursement reference rate of $10.32, this hospital’s rate is 6.69x the Medicare baseline. Located in 2250 26Th Street Northwest, Owatonna, MN.

Cash / Self-Pay

$62

Average discount available for prompt cash payment at this facility.

Insurance Median

$69

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$10.32

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $10.32 (100%)

Cash / Self-Pay: $62 (601%)

Insurance Median: $69 (669%)

Cash: $62 (601% of Medicare)

Ins. Median: $69 (669% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $10.32 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 669% of the Medicare baseline (a markup of 569%). 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
Aetna	$10 - $65	97%
Medicaid / KanCare	$10	97%
Medicare (plans)	$10	97%
Blue Cross Blue Shield	$11 - $80	107%
Medica	$11 - $84	107%
South Country Health Alliance	$11	107%
Ucare Pmap (A B C D E G N O S U R H)	$22	213%
Medica Health System	$56 - $89	543%
Healthpartners	$75	727%
UnitedHealthcare	$76	736%
Medica Ubh (O)	$77 - $92	746%
Health Partners	$81	785%
Medica Mhps	$84	814%
Americas Ppo (Araz)(B D N O R S V)	$85	824%
Medica Ubh Pmap	$88	853%
Americas Ppo (Araz) (B D N H O R S)	$92	891%
First Health (A C E G H U B D N O R S)	$92	891%
All Other Contracted Care (A B C D E G H N O R S U)	$110	1066%

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 $62.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 87040.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Owatonna Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 87040.
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.