CMS Price Transparency Data

Culture, bacterial

Facility: Saratoga Hospital

Billing Code: 87070 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87070
Insurance Median: $32
Cash Discount Price: $118
vs. Medicare Baseline: 3.71x Medicare

The contracted insurance negotiated median rate for a Culture, bacterial at Saratoga Hospital is $32. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $118. Compared to the federal Medicare reimbursement reference rate of $8.62, this hospital’s rate is 3.71x the Medicare baseline. Located in 211 Church Street, Saratoga Springs, NY.

Cash / Self-Pay

$118

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

$8.62

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $8.62 (100%)

Cash / Self-Pay: $118 (1369%)

Insurance Median: $32 (371%)

Cash: $118 (1369% of Medicare)

Ins. Median: $32 (371% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $8.62 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 371% of the Medicare baseline (a markup of 271%). 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	$9 - $32	104%
Blue Cross Blue Shield	$9 - $120	104%
Cdphp	$9 - $59	104%
Emblem	$9 - $10	104%
Fidelis	$9 - $59	104%
Nascentia Health Options	$9	104%
UnitedHealthcare	$9 - $234	104%
Hamaspik	$12 - $62	139%
Blue Shield	$16 - $23	186%
Mvp Commercial	$17 - $195	197%
Empire Plan Nyship	$18 - $195	209%
Multiplan	$18 - $221	209%
Magnacare	$22 - $247	255%
Mvp Essential Plan	$26 - $53	302%
Mvp Govt Programs	$26	302%

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 $118.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 87070.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Saratoga Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 87070.
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.