CMS Price Transparency Data

Blood test, cholesterol (lipid panel)

Facility: Hackensack University Medical Center

Billing Code: 80061 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 80061
Insurance Median: $32
Cash Discount Price: $13
vs. Medicare Baseline: 2.39x Medicare

The contracted insurance negotiated median rate for a Blood test, cholesterol (lipid panel) at Hackensack University Medical Center is $32. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $13. Compared to the federal Medicare reimbursement reference rate of $13.39, this hospital’s rate is 2.39x the Medicare baseline. Located in 30 Prospect Ave, Hackensack, NJ.

Cash / Self-Pay

$13

Average discount available for prompt cash payment at this facility.

Insurance Median

$32

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$13.39

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $13.39 (100%)

Cash / Self-Pay: $13 (97%)

Insurance Median: $32 (239%)

Cash: $13 (97% of Medicare)

Ins. Median: $32 (239% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $13.39 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 239% of the Medicare baseline (a markup of 139%). 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	$8 - $184	60%
UnitedHealthcare	$11 - $147	82%
Amerigroup	$13	97%
Blue Cross Blue Shield	$13	97%
Clover	$13	97%
Horizon	$13 - $254	97%
Seoul Medical Group	$13	97%
Vaccn	$13	97%
Wellcare	$13	97%
United Community/Americhoice	$14	105%
Oxford	$16 - $130	119%
Lhp Health	$17	127%
Karna	$18	134%
Intergroup	$23 - $182	172%
Bergen Risk	$25 - $195	187%
Brighton Health Plan	$26 - $205	194%
Cigna	$26 - $208	194%
Activecare First McO	$28 - $221	209%
Chn	$28 - $221	209%
Multiplan - PHCS	$28 - $221	209%
Qualcare	$29 - $229	217%
Amerihealth	$33 - $260	246%

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 $13.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 80061.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Hackensack University Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 80061.
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.