CMS Price Transparency Data

Blood test, cholesterol (lipid panel)

Facility: Beloit Health System

Billing Code: 80061 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 80061
Insurance Median: $73
Cash Discount Price: $27
vs. Medicare Baseline: 5.45x Medicare

The contracted insurance negotiated median rate for a Blood test, cholesterol (lipid panel) at Beloit Health System is $73. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $27. Compared to the federal Medicare reimbursement reference rate of $13.39, this hospital’s rate is 5.45x the Medicare baseline. Located in 1969 W Hart Rd, Beloit, WI.

Cash / Self-Pay

$27

Average discount available for prompt cash payment at this facility.

Insurance Median

$73

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$13.39

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $13.39 (100%)

Cash / Self-Pay: $27 (202%)

Insurance Median: $73 (545%)

Cash: $27 (202% of Medicare)

Ins. Median: $73 (545% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $13.39 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 545% of the Medicare baseline (a markup of 445%). 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	$14 - $311	105%
Blue Cross Blue Shield	$14 - $174	105%
Cook Children'S Health Plan (Cchp)	$14 - $164	105%
Dean Health	$14 - $183	105%
Humana	$14 - $52	105%
Independent Care Health Plan	$14	105%
Managed Health Services	$14	105%
Molina Healthcare	$14	105%
Quartz	$14 - $213	105%
UnitedHealthcare	$14 - $246	105%
Wellcare	$14	105%
Naphcare	$21	157%
Wea Trust	$45 - $180	336%
The Alliance	$55 - $56	411%
Wps	$61 - $243	456%
Multiplan	$66 - $262	493%
Health Eos	$73 - $298	545%
Cigna	$76 - $311	568%
Hfn	$76 - $311	568%
Preferred Network Access	$76 - $311	568%

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 $27.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 80061.

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 80061.
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.