CMS Price Transparency Data

Blood test, hemoglobin

Facility: Cheshire Medical Center

Billing Code: 85018 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 85018
Insurance Median: $11
Cash Discount Price: $11
vs. Medicare Baseline: 4.64x Medicare

The contracted insurance negotiated median rate for a Blood test, hemoglobin at Cheshire Medical Center is $11. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $11. Compared to the federal Medicare reimbursement reference rate of $2.37, this hospital’s rate is 4.64x the Medicare baseline. Located in 580 Court Street, Keene, NH.

Cash / Self-Pay

$11

Average discount available for prompt cash payment at this facility.

Insurance Median

$11

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$2.37

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $2.37 (100%)

Cash / Self-Pay: $11 (464%)

Insurance Median: $11 (464%)

Cash: $11 (464% of Medicare)

Ins. Median: $11 (464% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $2.37 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 464% of the Medicare baseline (a markup of 364%). 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	$2 - $36	84%
Ambetter / Centene	$2	84%
Amerihealth Caritas Nh	$2 - $6	84%
Blue Cross Blue Shield	$2 - $42	84%
Cigna	$2 - $26	84%
Granite State Health Plan	$2 - $9	84%
Martin'S Point Generations Advantage	$2	84%
Martin'S Point Health Care	$2	84%
Mvp	$2 - $26	84%
UnitedHealthcare	$2 - $40	84%
Wellcare Health Plans	$2	84%
Wellsense Health Plan	$2 - $7	84%
Mass General Brigham Health Plan	$3 - $53	127%
Harvard Pilgrim Health Care Of Ne	$4 - $24	169%
Tufts Health Plan	$6 - $34	253%
Maine Community Health Options	$11 - $24	464%
First Health/Hcvm	$20 - $45	844%
Phcs	$22 - $48	928%

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 $11.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 85018.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Cheshire Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 85018.
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.