CMS Price Transparency Data

Blood test, clotting time (PTT)

Facility: Stillwater Medical Center

Billing Code: 85730 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 85730
Insurance Median: $135
Cash Discount Price: $164
vs. Medicare Baseline: 22.46x Medicare

The contracted insurance negotiated median rate for a Blood test, clotting time (PTT) at Stillwater Medical Center is $135. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $164. Compared to the federal Medicare reimbursement reference rate of $6.01, this hospital’s rate is 22.46x the Medicare baseline. Located in 1323 West 6Th Street, Stillwater, OK.

Cash / Self-Pay

$164

Average discount available for prompt cash payment at this facility.

Insurance Median

$135

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$6.01

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $6.01 (100%)

Cash / Self-Pay: $164 (2729%)

Insurance Median: $135 (2246%)

Cash: $164 (2729% of Medicare)

Ins. Median: $135 (2246% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $6.01 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 2246% of the Medicare baseline (a markup of 2146%). 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
Tricare	$6	100%
Veterans Administration	$6	100%
Healthchoice	$8	133%
Healthcare Highways	$11	183%
Ebms (Employee Benefit Management Services Inc.)	$15	250%
Blue Cross Blue Shield	$17	283%
Aetna	$97 - $108	1614%
Cigna	$99 - $110	1647%
Community Care	$126 - $140	2097%
UnitedHealthcare	$130 - $144	2163%
Coventry	$146 - $161	2429%
First Health	$165 - $183	2745%
Osma Health	$171 - $189	2845%
Multiplan	$175 - $194	2912%
Preferred Community Choice	$175 - $194	2912%

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 $164.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 85730.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Stillwater Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 85730.
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.