CMS Price Transparency Data

Urinalysis (automated, with microscopy)

Facility: Stillwater Medical Center

Billing Code: 81001 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 81001
Insurance Median: $16
Cash Discount Price: $93
vs. Medicare Baseline: 5.05x Medicare

The contracted insurance negotiated median rate for a Urinalysis (automated, with microscopy) at Stillwater Medical Center is $16. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $93. Compared to the federal Medicare reimbursement reference rate of $3.17, this hospital’s rate is 5.05x the Medicare baseline. Located in 1323 West 6Th Street, Stillwater, OK.

Cash / Self-Pay

$93

Average discount available for prompt cash payment at this facility.

Insurance Median

$16

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$3.17

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $3.17 (100%)

Cash / Self-Pay: $93 (2934%)

Insurance Median: $16 (505%)

Cash: $93 (2934% of Medicare)

Ins. Median: $16 (505% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $3.17 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 505% of the Medicare baseline (a markup of 405%). 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	$3	95%
Veterans Administration	$3	95%
Healthchoice	$4	126%
Healthcare Highways	$6	189%
Ebms (Employee Benefit Management Services Inc.)	$8	252%
Aetna	$9 - $108	284%
Blue Cross Blue Shield	$9	284%
Cigna	$9 - $110	284%
Community Care	$12 - $140	379%
UnitedHealthcare	$12 - $144	379%
Coventry	$14 - $161	442%
First Health	$15 - $183	473%
Multiplan	$16 - $194	505%
Osma Health	$16 - $189	505%
Preferred Community Choice	$16 - $194	505%

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 $93.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 81001.

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 81001.
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.