CMS Price Transparency Data

Culture, blood

Facility: Memorial Hospital

Billing Code: 87040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87040
Insurance Median: $17
Cash Discount Price: $105
vs. Medicare Baseline: 1.65x Medicare

The contracted insurance negotiated median rate for a Culture, blood at Memorial Hospital is $17. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $105. Compared to the federal Medicare reimbursement reference rate of $10.32, this hospital’s rate is 1.65x the Medicare baseline. Located in 715 South Taft Avenue, Fremont, OH.

Cash / Self-Pay

$105

Average discount available for prompt cash payment at this facility.

Insurance Median

$17

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: $105 (1017%)

Insurance Median: $17 (165%)

Cash: $105 (1017% of Medicare)

Ins. Median: $17 (165% 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.

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
Meridian Health Plan Of Mi	$6 - $120	58%
Humana	$8 - $10	78%
Aetna	$9 - $200	87%
Summacare	$9 - $111	87%
Blue Cross Blue Shield	$10 - $98	97%
Buckeye Community Health Plan	$10 - $120	97%
Caresource	$10 - $18	97%
Frontpath	$10 - $99	97%
Health Alliance Plan	$10 - $105	97%
Molina Healthcare Of Ohio	$10 - $250	97%
Paramount Healthcare Inc	$10 - $162	97%
UnitedHealthcare	$11 - $128	107%
Cigna	$12 - $113	116%
Medical Mutual Of Ohio	$12 - $108	116%
Multiplan	$12 - $146	116%
Health Ohio Network	$13 - $112	126%
Amerihealth	$20 - $162	194%

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 $105.
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 Memorial Hospital 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.