CMS Price Transparency Data

Blood test, basic metabolic panel

Facility: UPMC Bedford Memorial

Billing Code: 80048 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 80048
Insurance Median: $58
Cash Discount Price: $59
vs. Medicare Baseline: 6.86x Medicare

The contracted insurance negotiated median rate for a Blood test, basic metabolic panel at UPMC Bedford Memorial is $58. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $59. Compared to the federal Medicare reimbursement reference rate of $8.46, this hospital’s rate is 6.86x the Medicare baseline. Located in 10455 Lincoln Highway, Everett, PA.

Cash / Self-Pay

$59

Average discount available for prompt cash payment at this facility.

Insurance Median

$58

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$8.46

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $8.46 (100%)

Cash / Self-Pay: $59 (697%)

Insurance Median: $58 (686%)

Cash: $59 (697% of Medicare)

Ins. Median: $58 (686% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $8.46 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 686% of the Medicare baseline (a markup of 586%). 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
Aetna	$3 - $66	35%
Upmc Health Plan	$7 - $55	83%
Blue Cross Blue Shield	$8 - $77	95%
Upmc Work Partners	$8	95%
Amerihealth Caritas	$9 - $15	106%
Cigna	$9 - $66	106%
Health Partners Plans (Jefferson Health Plan)	$9	106%
Highmark Wholecare (Prev Gateway)	$9 - $14	106%
Pa Health & Wellness	$9 - $16	106%
UnitedHealthcare	$9 - $66	106%
Geisinger	$13	154%
Intergroup	$64 - $88	757%
Coventry/First Health	$69	816%
Preferred Healthcare System	$78	922%
Health Coalition Partners	$88	1040%
Humana	$88	1040%
Private Health Care Systems	$88	1040%
Selectcare	$88	1040%

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 $59.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 80048.

Insurance In-Network Protection Plan

Contact your insurance company to confirm UPMC Bedford Memorial is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 80048.
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.