CMS Price Transparency Data

Blood test, clotting time (PT/INR)

Facility: Charleston Area Medical Center

Billing Code: 85610 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 85610
Insurance Median: $85
Cash Discount Price: $97
vs. Medicare Baseline: 19.81x Medicare

The contracted insurance negotiated median rate for a Blood test, clotting time (PT/INR) at Charleston Area Medical Center is $85. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $97. Compared to the federal Medicare reimbursement reference rate of $4.29, this hospital’s rate is 19.81x the Medicare baseline. Located in 501 Morris Street, Charleston, WV.

Cash / Self-Pay

$97

Average discount available for prompt cash payment at this facility.

Insurance Median

$85

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$4.29

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $4.29 (100%)

Cash / Self-Pay: $97 (2261%)

Insurance Median: $85 (1981%)

Cash: $97 (2261% of Medicare)

Ins. Median: $85 (1981% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $4.29 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 1981% of the Medicare baseline (a markup of 1881%). 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	$4 - $97	93%
Blue Cross Blue Shield	$4 - $90	93%
Choicecare Network	$4 - $97	93%
Optimum Choice Inc.	$4	93%
The Health Plan Of West Virginia Inc.	$4 - $96	93%
Triwest Va	$4	93%
Unicare Health Plan Of West Virginia Inc.	$4	93%
UnitedHealthcare	$4 - $97	93%
West Virginia Senior Advantage Inc.	$4	93%
Integrated Medical Solutions	$8	186%
Naphcare	$9	210%
Caresource	$11	256%
Tricare	$53 - $59	1235%
City Of Charleston	$67 - $74	1562%
Cigna	$83 - $92	1935%
Three Rivers Providers Network	$86 - $96	2005%
Healthsmart	$87 - $97	2028%
Multiplan	$87 - $97	2028%

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 $97.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 85610.

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 85610.
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.