CMS Price Transparency Data

Hepatitis C antibody test

Facility: Fort Loudoun Medical Center

Billing Code: 86803 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 86803
Insurance Median: $31
Cash Discount Price: $33
vs. Medicare Baseline: 2.17x Medicare

The contracted insurance negotiated median rate for a Hepatitis C antibody test at Fort Loudoun Medical Center is $31. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $33. Compared to the federal Medicare reimbursement reference rate of $14.27, this hospital’s rate is 2.17x the Medicare baseline. Located in 550 Fort Loudon Medical Center Dr, Lenoir City, TN.

Cash / Self-Pay

$33

Average discount available for prompt cash payment at this facility.

Insurance Median

$31

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: $33 (231%)

Insurance Median: $31 (217%)

Cash: $33 (231% of Medicare)

Ins. Median: $31 (217% 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 217% of the Medicare baseline (a markup of 117%). 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
Wellpoint	$6 - $15	42%
UnitedHealthcare	$9 - $15	63%
Tricare	$14	98%
Aetna	$15 - $21	105%
Blue Cross Blue Shield	$15 - $30	105%
Cigna	$15 - $31	105%
Devoted Health	$15	105%
Farm Bureau	$15	105%
Humana	$15	105%
Wellcare	$15	105%
Ehn	$38 - $65	266%
Correctional Medical Services	$51 - $86	357%
Community Services Network	$55 - $94	385%
Usa Managed Care Organization	$60 - $101	420%
Novanet	$64 - $108	448%
Direct Care America	$68 - $115	477%
Medsave Usa	$68 - $115	477%
National Provider Network	$68 - $115	477%
Beech Street	$72 - $122	505%
Ccn Managed Care	$72 - $122	505%
Initial Group	$75 - $127	526%
Galaxy Health Network	$76 - $130	533%

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 $33.
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 Fort Loudoun Medical Center 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.