CMS Price Transparency Data

Culture, blood

Facility: Cumberland Medical Center

Billing Code: 87040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87040
Insurance Median: $12
Cash Discount Price: $32
vs. Medicare Baseline: 1.16x Medicare

The contracted insurance negotiated median rate for a Culture, blood at Cumberland Medical Center is $12. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $32. Compared to the federal Medicare reimbursement reference rate of $10.32, this hospital’s rate is 1.16x the Medicare baseline. Located in 421 S Main St, Crossville, TN.

Cash / Self-Pay

$32

Average discount available for prompt cash payment at this facility.

Insurance Median

$12

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$10.32

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $10.32 (100%)

Cash / Self-Pay: $32 (310%)

Insurance Median: $12 (116%)

Cash: $32 (310% of Medicare)

Ins. Median: $12 (116% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $10.32 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.

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
Wellpoint	$5 - $12	48%
UnitedHealthcare	$8 - $12	78%
Farm Bureau	$11	107%
Humana	$11	107%
Tricare	$11	107%
Aetna	$12 - $15	116%
Blue Cross Blue Shield	$12 - $22	116%
Cigna	$12 - $22	116%
Devoted Health	$12	116%
Wellcare	$12	116%
Ehn	$47	455%
Correctional Medical Services	$62	601%
Community Services Network	$68	659%
Usa Managed Care Organization	$73	707%
Novanet	$78	756%
Direct Care America	$83	804%
Medsave Usa	$83	804%
National Provider Network	$83	804%
Beech Street	$88	853%
Ccn Managed Care	$88	853%
Initial Group	$92	891%
Galaxy Health Network	$94	911%

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 $32.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 87040.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Cumberland Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 87040.
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.