CMS Price Transparency Data

Hepatitis C antibody test

Facility: Beloit Health System

Billing Code: 86803 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 86803
Insurance Median: $172
Cash Discount Price: $101
vs. Medicare Baseline: 12.05x Medicare

The contracted insurance negotiated median rate for a Hepatitis C antibody test at Beloit Health System is $172. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $101. Compared to the federal Medicare reimbursement reference rate of $14.27, this hospital’s rate is 12.05x the Medicare baseline. Located in 1969 W Hart Rd, Beloit, WI.

Cash / Self-Pay

$101

Average discount available for prompt cash payment at this facility.

Insurance Median

$172

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: $101 (708%)

Insurance Median: $172 (1205%)

Cash: $101 (708% of Medicare)

Ins. Median: $172 (1205% 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 1205% of the Medicare baseline (a markup of 1105%). 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	$15 - $333	105%
Blue Cross Blue Shield	$15 - $186	105%
Cook Children'S Health Plan (Cchp)	$15 - $175	105%
Dean Health	$15 - $196	105%
Humana	$15 - $55	105%
Independent Care Health Plan	$15	105%
Managed Health Services	$15	105%
Molina Healthcare	$15	105%
Quartz	$15 - $228	105%
UnitedHealthcare	$15 - $263	105%
Wellcare	$15	105%
Naphcare	$22	154%
The Alliance	$59	413%
Wps	$65 - $260	456%
Wea Trust	$193	1352%
Multiplan	$280	1962%
Health Eos	$312 - $319	2186%
Cigna	$322 - $333	2256%
Hfn	$322 - $333	2256%
Preferred Network Access	$322 - $333	2256%

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 $101.
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 Beloit Health System 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.