CMS Price Transparency Data

Culture, blood

Facility: Kearney County Health Services Hospital

Billing Code: 87040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87040
Insurance Median: $191
Cash Discount Price: $169
vs. Medicare Baseline: 18.51x Medicare

The contracted insurance negotiated median rate for a Culture, blood at Kearney County Health Services Hospital is $191. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $169. Compared to the federal Medicare reimbursement reference rate of $10.32, this hospital’s rate is 18.51x the Medicare baseline. Located in 727 East 1St St, Minden, NE.

Cash / Self-Pay

$169

Average discount available for prompt cash payment at this facility.

Insurance Median

$191

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$10.32

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $10.32 (100%)

Cash / Self-Pay: $169 (1638%)

Insurance Median: $191 (1851%)

Cash: $169 (1638% of Medicare)

Ins. Median: $191 (1851% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $10.32 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 1851% of the Medicare baseline (a markup of 1751%). 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
Medica	$106 - $414	1027%
Blue Cross Blue Shield	$116 - $182	1124%
Humana	$116	1124%
UnitedHealthcare	$116 - $200	1124%
Total Care	$117 - $120	1134%
Aetna	$122 - $401	1182%
Great Plains	$122	1182%
Healthy Blue	$122	1182%
Multiplan	$207	2006%
Healthnet	$211	2045%
Triwest	$211	2045%
Molina	$217	2103%
Private Healthcare Systems And Multiplan	$347	3362%

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 $169.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 87040.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Kearney County Health Services Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 87040.
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.