CMS Price Transparency Data

Urinalysis (automated, with microscopy)

Facility: Ocean Medical Center

Billing Code: 81001 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 81001
Insurance Median: $72
Cash Discount Price: $3
vs. Medicare Baseline: 22.71x Medicare

The contracted insurance negotiated median rate for a Urinalysis (automated, with microscopy) at Ocean Medical Center is $72. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3. Compared to the federal Medicare reimbursement reference rate of $3.17, this hospital’s rate is 22.71x the Medicare baseline. Located in 425 Jack Martin Blvd, Brick, NJ.

Cash / Self-Pay

Average discount available for prompt cash payment at this facility.

Insurance Median

$72

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: $3 (95%)

Insurance Median: $72 (2271%)

Cash: $3 (95% of Medicare)

Ins. Median: $72 (2271% 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 2271% of the Medicare baseline (a markup of 2171%). 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
UnitedHealthcare	$1 - $7	32%
Aetna	$3 - $90	95%
Amerigroup	$3	95%
Clover	$3	95%
Horizon	$3 - $88	95%
Seoul Medical Group	$3	95%
United Community/Americhoice	$3	95%
Vaccn	$3	95%
Wellcare	$3	95%
Karna	$4	126%
Cigna	$15	473%
Qualcare	$53 - $94	1672%
Oxford	$58	1830%
Activecare First McO	$75 - $91	2366%
Intergroup	$75	2366%
Bergen Risk	$80	2524%
Brighton Health Plan	$86	2713%
Prime Health	$86	2713%
Multiplan - PHCS	$91	2871%
Amerihealth	$92 - $104	2902%

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 $3.
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 Ocean Medical Center 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.