CMS Price Transparency Data

Blood test, basic metabolic panel

Facility: Beloit Health System

Billing Code: 80048 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 80048
Insurance Median: $132
Cash Discount Price: $78
vs. Medicare Baseline: 15.60x Medicare

The contracted insurance negotiated median rate for a Blood test, basic metabolic panel at Beloit Health System is $132. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $78. Compared to the federal Medicare reimbursement reference rate of $8.46, this hospital’s rate is 15.60x the Medicare baseline. Located in 1969 W Hart Rd, Beloit, WI.

Cash / Self-Pay

$78

Average discount available for prompt cash payment at this facility.

Insurance Median

$132

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: $78 (922%)

Insurance Median: $132 (1560%)

Cash: $78 (922% of Medicare)

Ins. Median: $132 (1560% 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 1560% of the Medicare baseline (a markup of 1460%). 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	$9 - $256	106%
Blue Cross Blue Shield	$9 - $143	106%
Cook Children'S Health Plan (Cchp)	$9 - $135	106%
Dean Health	$9 - $151	106%
Humana	$9 - $33	106%
Independent Care Health Plan	$9	106%
Managed Health Services	$9	106%
Molina Healthcare	$9	106%
Quartz	$9 - $175	106%
UnitedHealthcare	$9 - $202	106%
Wellcare	$9	106%
Naphcare	$13	154%
The Alliance	$35	414%
Wps	$39 - $200	461%
Wea Trust	$148	1749%
Multiplan	$215	2541%
Health Eos	$240 - $245	2837%
Cigna	$248 - $256	2931%
Hfn	$248 - $256	2931%
Preferred Network Access	$248 - $256	2931%

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 $78.
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 Beloit Health System 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.