CMS Price Transparency Data

Culture, blood

Facility: Doctors Hospital of Laredo

Billing Code: 87040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87040
Insurance Median: $320
Cash Discount Price: $338
vs. Medicare Baseline: 31.01x Medicare

The contracted insurance negotiated median rate for a Culture, blood at Doctors Hospital of Laredo is $320. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $338. Compared to the federal Medicare reimbursement reference rate of $10.32, this hospital’s rate is 31.01x the Medicare baseline. Located in 10700 McPherson Road, Laredo, TX.

Cash / Self-Pay

$338

Average discount available for prompt cash payment at this facility.

Insurance Median

$320

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: $338 (3275%)

Insurance Median: $320 (3101%)

Cash: $338 (3275% of Medicare)

Ins. Median: $320 (3101% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 3101% of the Medicare baseline (a markup of 3001%). 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
Cigna	$9 - $352	87%
Molina	$9	87%
Superior	$9	87%
United_Healthcare	$15	145%
Blue_Cross_Blue_Shield_Of_Tx	$31 - $328	300%
Aetna	$259 - $591	2510%
Healthsmart	$311 - $712	3014%
Multiplan	$383 - $876	3711%
Geha	$445 - $1,018	4312%

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 $338.
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 Doctors Hospital of Laredo 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.