CMS Price Transparency Data

Culture, bacterial

Facility: Stillwater Medical Center

Billing Code: 87070 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87070
Insurance Median: $87
Cash Discount Price: $144
vs. Medicare Baseline: 10.09x Medicare

The contracted insurance negotiated median rate for a Culture, bacterial at Stillwater Medical Center is $87. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $144. Compared to the federal Medicare reimbursement reference rate of $8.62, this hospital’s rate is 10.09x the Medicare baseline. Located in 1323 West 6Th Street, Stillwater, OK.

Cash / Self-Pay

$144

Average discount available for prompt cash payment at this facility.

Insurance Median

$87

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: $144 (1671%)

Insurance Median: $87 (1009%)

Cash: $144 (1671% of Medicare)

Ins. Median: $87 (1009% 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 1009% of the Medicare baseline (a markup of 909%). 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	$9	104%
Veterans Administration	$9	104%
Healthchoice	$12	139%
Healthcare Highways	$16	186%
Ebms (Employee Benefit Management Services Inc.)	$22	255%
Blue Cross Blue Shield	$25	290%
Aetna	$50 - $130	580%
Cigna	$52 - $133	603%
Community Care	$66 - $169	766%
UnitedHealthcare	$68 - $174	789%
Coventry	$76 - $195	882%
First Health	$86 - $221	998%
Osma Health	$89 - $229	1032%
Multiplan	$91 - $234	1056%
Preferred Community Choice	$91 - $234	1056%

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 $144.
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 Stillwater Medical Center 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.