CMS Price Transparency Data

Blood test, ferritin (iron stores)

Facility: Mosaic Life Care at St Joseph

Billing Code: 82728 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82728
Insurance Median: $62
Cash Discount Price: $136
vs. Medicare Baseline: 4.55x Medicare

The contracted insurance negotiated median rate for a Blood test, ferritin (iron stores) at Mosaic Life Care at St Joseph is $62. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $136. Compared to the federal Medicare reimbursement reference rate of $13.63, this hospital’s rate is 4.55x the Medicare baseline. Located in 5325 Faraon Street, Saint Joseph, MO.

Cash / Self-Pay

$136

Average discount available for prompt cash payment at this facility.

Insurance Median

$62

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$13.63

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $13.63 (100%)

Cash / Self-Pay: $136 (998%)

Insurance Median: $62 (455%)

Cash: $136 (998% of Medicare)

Ins. Median: $62 (455% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $13.63 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 455% of the Medicare baseline (a markup of 355%). 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	$13 - $19	95%
Iowa Total Care	$13 - $19	95%
Molina Of Iowa	$13 - $19	95%
Aetna	$14 - $132	103%
Blue Cross Blue Shield	$14 - $139	103%
Medicaid / KanCare	$14	103%
UnitedHealthcare	$14 - $226	103%
Ambetter / Centene	$27	198%
Centurion	$42 - $112	308%
Geha Shared Services	$49 - $130	360%
Freedom Select Healthlink	$52 - $137	382%
Healthlink Open Access	$52 - $137	382%
Preferred Health Professional	$52 - $137	382%
Sisco	$52 - $137	382%
Cigna	$53 - $141	389%
Multiplan	$62 - $144	455%
Home State Of Missouri	$232	1702%
Healthy Blue Of Missouri	$285	2091%

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 $136.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82728.

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 82728.
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.