CMS Price Transparency Data

Culture, blood

Facility: Black River Memorial Hospital

Billing Code: 87040 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 87040
Insurance Median: $123
Cash Discount Price: $142
vs. Medicare Baseline: 11.92x Medicare

The contracted insurance negotiated median rate for a Culture, blood at Black River Memorial Hospital is $123. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $142. Compared to the federal Medicare reimbursement reference rate of $10.32, this hospital’s rate is 11.92x the Medicare baseline. Located in 711 W Adams St, Black River Falls, WI.

Cash / Self-Pay

$142

Average discount available for prompt cash payment at this facility.

Insurance Median

$123

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: $142 (1376%)

Insurance Median: $123 (1192%)

Cash: $142 (1376% of Medicare)

Ins. Median: $123 (1192% 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 1192% of the Medicare baseline (a markup of 1092%). 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
Blue Cross Blue Shield	$5 - $95	48%
Group Health Cooperative Of Eau Claire	$11 - $180	107%
My Choice Wisconsin, Inc.	$11 - $95	107%
Quartz Health Solutions, Inc	$11 - $169	107%
UnitedHealthcare	$11 - $175	107%
Humana	$66 - $173	640%
Security Health Plan	$66 - $174	640%
Corvel	$79 - $113	766%
The Alliance	$110 - $179	1066%
Triology Health Solutions	$116 - $177	1124%
Medica	$120 - $174	1163%
Association Benefits Solution	$123 - $177	1192%
Family Health Center Of Marshfield	$123 - $177	1192%
First Health Group Corporation	$123 - $177	1192%
Provider Network Of America	$123 - $177	1192%
Cigna	$125 - $180	1211%
Cofinity	$125 - $180	1211%
Coventry Health Care	$125 - $180	1211%
Custom Benefit Administrators	$125 - $180	1211%
Healthpartners, Inc.	$125 - $180	1211%
Multiplan	$125 - $184	1211%
Wisconsin Physicians Service Insurance Corp	$125 - $180	1211%
Chorus	$126 - $182	1221%

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 $142.
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 Black River Memorial Hospital 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.