CMS Price Transparency Data

Urinalysis (automated, with microscopy)

Facility: St Francis Memorial Hospital

Billing Code: 81001 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 81001
Insurance Median: $46
Cash Discount Price: $100
vs. Medicare Baseline: 14.51x Medicare

The contracted insurance negotiated median rate for a Urinalysis (automated, with microscopy) at St Francis Memorial Hospital is $46. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $100. Compared to the federal Medicare reimbursement reference rate of $3.17, this hospital’s rate is 14.51x the Medicare baseline. Located in 430 North Monitor St, West Point, NE.

Cash / Self-Pay

$100

Average discount available for prompt cash payment at this facility.

Insurance Median

$46

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$3.17

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $3.17 (100%)

Cash / Self-Pay: $100 (3155%)

Insurance Median: $46 (1451%)

Cash: $100 (3155% of Medicare)

Ins. Median: $46 (1451% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $3.17 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 1451% of the Medicare baseline (a markup of 1351%). 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
Blue Cross Blue Shield	$29 - $95	915%
Nebraska Total Care	$38 - $45	1199%
UnitedHealthcare	$38 - $96	1199%
Molina Healthcare Of Nebraska	$39 - $50	1230%
Humana	$44	1388%
Medica	$44 - $96	1388%
Aetna	$46 - $96	1451%
Good Samaritan Insurance Plan Of Nebraska	$46	1451%
Midlands Choice	$96	3028%

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 $100.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 81001.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Francis Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 81001.
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.