CMS Price Transparency Data

Blood test, cholesterol (lipid panel)

Facility: Mosaic Life Care at St Joseph

Billing Code: 80061 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 80061
Insurance Median: $48
Cash Discount Price: $102
vs. Medicare Baseline: 3.58x Medicare

The contracted insurance negotiated median rate for a Blood test, cholesterol (lipid panel) at Mosaic Life Care at St Joseph is $48. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $102. Compared to the federal Medicare reimbursement reference rate of $13.39, this hospital’s rate is 3.58x the Medicare baseline. Located in 5325 Faraon Street, Saint Joseph, MO.

Cash / Self-Pay

$102

Average discount available for prompt cash payment at this facility.

Insurance Median

$48

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$13.39

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $13.39 (100%)

Cash / Self-Pay: $102 (762%)

Insurance Median: $48 (358%)

Cash: $102 (762% of Medicare)

Ins. Median: $48 (358% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $13.39 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 358% of the Medicare baseline (a markup of 258%). 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	$13 - $99	97%
Amerigroup Of Iowa	$13 - $19	97%
Iowa Total Care	$13 - $19	97%
Medicaid / KanCare	$13	97%
Molina Of Iowa	$13 - $19	97%
UnitedHealthcare	$13 - $169	97%
Blue Cross Blue Shield	$14 - $104	105%
Centurion	$22 - $84	164%
Geha Shared Services	$25 - $97	187%
Ambetter / Centene	$26	194%
Cigna	$27 - $106	202%
Freedom Select Healthlink	$27 - $103	202%
Healthlink Open Access	$27 - $103	202%
Preferred Health Professional	$27 - $103	202%
Sisco	$27 - $103	202%
Multiplan	$61 - $108	456%
Home State Of Missouri	$174	1299%
Healthy Blue Of Missouri	$214	1598%

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 $102.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 80061.

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 80061.
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.