CMS Price Transparency Data

Culture, blood

Facility: Jersey Shore University Medical Center

Billing Code: 87040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87040
Insurance Median: $146
Cash Discount Price: $10
vs. Medicare Baseline: 14.15x Medicare

The contracted insurance negotiated median rate for a Culture, blood at Jersey Shore University Medical Center is $146. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $10. Compared to the federal Medicare reimbursement reference rate of $10.32, this hospital’s rate is 14.15x the Medicare baseline. Located in 1945 Rte 33, Neptune, NJ.

Cash / Self-Pay

$10

Average discount available for prompt cash payment at this facility.

Insurance Median

$146

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: $10 (97%)

Insurance Median: $146 (1415%)

Cash: $10 (97% of Medicare)

Ins. Median: $146 (1415% 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 1415% of the Medicare baseline (a markup of 1315%). 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	$8 - $129	78%
Amerigroup	$10	97%
Clover	$10	97%
Seoul Medical Group	$10	97%
Vaccn	$10	97%
Wellcare	$10	97%
Aetna	$11 - $179	107%
United Community/Americhoice	$11	107%
Karna	$13	126%
Oxford	$23 - $129	223%
Cigna	$47 - $183	455%
Blue Cross Blue Shield	$53	514%
Qualcare	$133 - $208	1289%
Horizon	$158 - $229	1531%
Beacon	$172	1667%
Bergen Risk	$172	1667%
Brighton Health Plan	$183	1773%
Activecare First McO	$195	1890%
Multiplan - PHCS	$195	1890%
Amerihealth	$200 - $227	1938%

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 $10.
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 Jersey Shore University Medical Center 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.