CMS Price Transparency Data

Hepatitis C antibody test

Facility: UPMC Bedford Memorial

Billing Code: 86803 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 86803
Insurance Median: $99
Cash Discount Price: $100
vs. Medicare Baseline: 6.94x Medicare

The contracted insurance negotiated median rate for a Hepatitis C antibody test at UPMC Bedford Memorial is $99. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $100. Compared to the federal Medicare reimbursement reference rate of $14.27, this hospital’s rate is 6.94x the Medicare baseline. Located in 10455 Lincoln Highway, Everett, PA.

Cash / Self-Pay

$100

Average discount available for prompt cash payment at this facility.

Insurance Median

$99

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$14.27

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $14.27 (100%)

Cash / Self-Pay: $100 (701%)

Insurance Median: $99 (694%)

Cash: $100 (701% of Medicare)

Ins. Median: $99 (694% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $14.27 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 694% of the Medicare baseline (a markup of 594%). 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	$5 - $112	35%
Upmc Health Plan	$12 - $97	84%
Blue Cross Blue Shield	$14 - $125	98%
Upmc Work Partners	$14	98%
Amerihealth Caritas	$15 - $30	105%
Cigna	$15 - $112	105%
Highmark Wholecare (Prev Gateway)	$15 - $28	105%
Pa Health & Wellness	$15 - $32	105%
UnitedHealthcare	$15 - $112	105%
Health Partners Plans (Jefferson Health Plan)	$19	133%
Geisinger	$26	182%
Intergroup	$109 - $150	764%
Coventry/First Health	$117	820%
Preferred Healthcare System	$134	939%
Health Coalition Partners	$150	1051%
Humana	$150	1051%
Private Health Care Systems	$150	1051%
Selectcare	$150	1051%

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 $100.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 86803.

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 86803.
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.