CMS Price Transparency Data

Culture, bacterial

Facility: Mosaic Life Care at St Joseph

Billing Code: 87070 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87070
Insurance Median: $39
Cash Discount Price: $128
vs. Medicare Baseline: 4.52x Medicare

The contracted insurance negotiated median rate for a Culture, bacterial at Mosaic Life Care at St Joseph is $39. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $128. Compared to the federal Medicare reimbursement reference rate of $8.62, this hospital’s rate is 4.52x the Medicare baseline. Located in 5325 Faraon Street, Saint Joseph, MO.

Cash / Self-Pay

$128

Average discount available for prompt cash payment at this facility.

Insurance Median

$39

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$8.62

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $8.62 (100%)

Cash / Self-Pay: $128 (1485%)

Insurance Median: $39 (452%)

Cash: $128 (1485% of Medicare)

Ins. Median: $39 (452% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $8.62 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 452% of the Medicare baseline (a markup of 352%). 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	$7 - $124	81%
Medicaid / KanCare	$7	81%
UnitedHealthcare	$7 - $212	81%
Amerigroup Of Iowa	$8 - $12	93%
Iowa Total Care	$8 - $12	93%
Molina Of Iowa	$8 - $12	93%
Blue Cross Blue Shield	$9 - $130	104%
Centurion	$14 - $105	162%
Geha Shared Services	$16 - $122	186%
Ambetter / Centene	$17	197%
Freedom Select Healthlink	$17 - $129	197%
Healthlink Open Access	$17 - $129	197%
Preferred Health Professional	$17 - $129	197%
Sisco	$17 - $129	197%
Cigna	$18 - $132	209%
Multiplan	$39 - $135	452%
Home State Of Missouri	$218	2529%
Healthy Blue Of Missouri	$267	3097%

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 $128.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 87070.

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 87070.
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.