CMS Price Transparency Data

Blood antibody screen

Facility: Mosaic Life Care at St Joseph

Billing Code: 86850 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 86850
Insurance Median: $114
Cash Discount Price: $153
vs. Medicare Baseline: 2.14x Medicare

The contracted insurance negotiated median rate for a Blood antibody screen at Mosaic Life Care at St Joseph is $114. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $153. Compared to the federal Medicare reimbursement reference rate of $53.24, this hospital’s rate is 2.14x the Medicare baseline. Located in 5325 Faraon Street, Saint Joseph, MO.

Cash / Self-Pay

$153

Average discount available for prompt cash payment at this facility.

Insurance Median

$114

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$53.24

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $53.24 (100%)

Cash / Self-Pay: $153 (287%)

Insurance Median: $114 (214%)

Cash: $153 (287% of Medicare)

Ins. Median: $114 (214% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $53.24 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 214% of the Medicare baseline (a markup of 114%). 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
Amerigroup Of Iowa	$7	13%
Iowa Total Care	$7	13%
Molina Of Iowa	$7	13%
Aetna	$8 - $149	15%
Blue Cross Blue Shield	$8 - $156	15%
Medicaid / KanCare	$8	15%
UnitedHealthcare	$8 - $254	15%
Centurion	$13 - $126	24%
Geha Shared Services	$15 - $146	28%
Multiplan	$15 - $162	28%
Freedom Select Healthlink	$16 - $155	30%
Healthlink Open Access	$16 - $155	30%
Preferred Health Professional	$16 - $155	30%
Sisco	$16 - $155	30%
Cigna	$17 - $158	32%
Ambetter / Centene	$102	192%
Home State Of Missouri	$261	490%
Healthy Blue Of Missouri	$320	601%

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 $153.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 86850.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Mosaic Life Care at St Joseph is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 86850.
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.