CMS Price Transparency Data

Blood test, calcium

Facility: Beloit Health System

Billing Code: 82310 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82310
Insurance Median: $71
Cash Discount Price: $32
vs. Medicare Baseline: 13.76x Medicare

The contracted insurance negotiated median rate for a Blood test, calcium at Beloit Health System is $71. 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 $5.16, this hospital’s rate is 13.76x the Medicare baseline. Located in 1969 W Hart Rd, Beloit, WI.

Cash / Self-Pay

$32

Average discount available for prompt cash payment at this facility.

Insurance Median

$71

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5.16

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5.16 (100%)

Cash / Self-Pay: $32 (620%)

Insurance Median: $71 (1376%)

Cash: $32 (620% of Medicare)

Ins. Median: $71 (1376% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $5.16 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 1376% of the Medicare baseline (a markup of 1276%). 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 - $126	97%
Blue Cross Blue Shield	$5 - $71	97%
Cook Children'S Health Plan (Cchp)	$5 - $67	97%
Dean Health	$5 - $74	97%
Humana	$5 - $20	97%
Independent Care Health Plan	$5	97%
Managed Health Services	$5	97%
Molina Healthcare	$5	97%
Quartz	$5 - $87	97%
UnitedHealthcare	$5 - $100	97%
Wellcare	$5	97%
Naphcare	$8	155%
The Alliance	$21	407%
Wps	$24 - $99	465%
Wea Trust	$49 - $73	950%
Multiplan	$72 - $106	1395%
Health Eos	$80 - $121	1550%
Cigna	$82 - $126	1589%
Hfn	$82 - $126	1589%
Preferred Network Access	$82 - $126	1589%

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: 82310.

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 82310.
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.