Blood test, vitamin B12
Facility: Golden Valley Memorial Hospital
Billing Code: 82607 (CPT)
- CPT Billing Code: 82607
- Insurance Median: $15
- Cash Discount Price: $74
- vs. Medicare Baseline: 0.99x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. Medicare
Understanding this gauge: We use the federal Medicare rate of $15.08 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.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
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 | $15 | 99% |
| Home State Health | $15 | 99% |
| Humana | $15 | 99% |
| UnitedHealthcare | $15 - $26 | 99% |
| Ambetter / Centene | $18 | 119% |
Consumer Guidance & Cost Commentary
If you are considering paying out-of-pocket for this blood test for vitamin B12 at Golden Valley Memorial Hospital, you should know that the cash median rate is $74, which is significantly lower than the facility's gross charge of $124. For patients with high-deductible plans, this cash price may be more affordable than the negotiated rate of $15, which applies to in-network insurance payers like Aetna, Home State Health, Humana, UnitedHealthcare, and Ambetter/Centene. While the facility is a Government-owned Acute Care Hospital in Clinton, MO, with a rating of 3, the cash option bypasses the administrative costs and markup embedded in the insurance system, potentially saving you money if your insurance allowed amount exceeds $74.
When evaluating the broader financial context, it is important to understand that commercial negotiated rates often exceed cash prices due to multi-layered administrative structures and contract dynamics. Although the data provided does not include specific state or county average figures for comparison, the principle remains that comparing your specific plan's allowed amount directly to the cash rate can reveal significant savings. To ensure you receive the best possible price, we recommend asking the hospital directly about "self-pay" or "prompt-pay" discounts, which can further reduce the final bill. Additionally, if you are concerned about potential balance billing or billing errors, always request a full itemized CPT-coded bill before paying, as summary bills can obscure individual charges and lead to unexpected costs.