CMS Price Transparency Data

Blood test, vitamin B12

Facility: Kettering Health Main Campus

Billing Code: 82607 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82607
Insurance Median: $18
Cash Discount Price: $97
vs. Medicare Baseline: 1.19x Medicare

The contracted insurance negotiated median rate for a Blood test, vitamin B12 at Kettering Health Main Campus is $18. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $97. Compared to the federal Medicare reimbursement reference rate of $15.08, this hospital’s rate is 1.19x the Medicare baseline. Located in 3535 Southern Boulevard, Kettering, OH.

Cash / Self-Pay

$97

Average discount available for prompt cash payment at this facility.

Insurance Median

$18

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$15.08

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $15.08 (100%)

Cash / Self-Pay: $97 (643%)

Insurance Median: $18 (119%)

Cash: $97 (643% of Medicare)

Ins. Median: $18 (119% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $15.08 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.

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
Blue Cross Blue Shield	$9 - $43	60%
Custom Design Benefits Inc.	$15 - $41	99%
UnitedHealthcare	$15 - $23	99%
Caresource	$16 - $23	106%
Molina Healthcare	$16 - $31	106%
Aetna	$17	113%
Cigna	$17	113%
Health Ohio Network	$22	146%
Medical Mutual	$29 - $34	192%
Buckeye Health Plan	$32	212%

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 $97.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82607.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Kettering Health Main Campus is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 82607.
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.