CMS Price Transparency Data

Blood test, calcium

Facility: Charleston Area Medical Center

Billing Code: 82310 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82310
Insurance Median: $42
Cash Discount Price: $90
vs. Medicare Baseline: 8.14x Medicare

The contracted insurance negotiated median rate for a Blood test, calcium at Charleston Area Medical Center is $42. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $90. Compared to the federal Medicare reimbursement reference rate of $5.16, this hospital’s rate is 8.14x the Medicare baseline. Located in 501 Morris Street, Charleston, WV.

Cash / Self-Pay

$90

Average discount available for prompt cash payment at this facility.

Insurance Median

$42

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: $90 (1744%)

Insurance Median: $42 (814%)

Cash: $90 (1744% of Medicare)

Ins. Median: $42 (814% 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 814% of the Medicare baseline (a markup of 714%). 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 - $92	97%
Blue Cross Blue Shield	$5 - $86	97%
Choicecare Network	$5 - $92	97%
Optimum Choice Inc.	$5 - $34	97%
The Health Plan Of West Virginia Inc.	$5 - $91	97%
Triwest Va	$5 - $21	97%
Unicare Health Plan Of West Virginia Inc.	$5 - $21	97%
UnitedHealthcare	$5 - $92	97%
West Virginia Senior Advantage Inc.	$5 - $23	97%
Integrated Medical Solutions	$10 - $42	194%
Naphcare	$10 - $43	194%
Caresource	$13 - $54	252%
Tricare	$52 - $56	1008%
City Of Charleston	$64 - $70	1240%
Cigna	$80 - $87	1550%
Three Rivers Providers Network	$83 - $91	1609%
Healthsmart	$84 - $92	1628%
Multiplan	$84 - $92	1628%

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 $90.
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 Charleston Area Medical Center 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.