CMS Price Transparency Data

Blood test, calcium

Facility: St Joseph's Hospital

Billing Code: 82310 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82310
Insurance Median: $105
Cash Discount Price: $89
vs. Medicare Baseline: 20.35x Medicare

The contracted insurance negotiated median rate for a Blood test, calcium at St Joseph's Hospital is $105. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $89. Compared to the federal Medicare reimbursement reference rate of $5.16, this hospital’s rate is 20.35x the Medicare baseline. Located in 12866 Troxler Avenue, Highland, IL.

Cash / Self-Pay

$89

Average discount available for prompt cash payment at this facility.

Insurance Median

$105

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: $89 (1725%)

Insurance Median: $105 (2035%)

Cash: $89 (1725% of Medicare)

Ins. Median: $105 (2035% 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 2035% of the Medicare baseline (a markup of 1935%). 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
Molina Healthcare	$9 - $124	174%
Meridian Health Plan	$9	174%
Caterpillar, Inc.	$10	194%
UnitedHealthcare	$10 - $124	194%
Cigna	$13	252%
Clear Spring Health of Illinois	$25 - $124	484%
Blue Cross Blue Shield	$25 - $124	484%
Aetna	$25 - $124	484%
Humana	$25 - $124	484%
Sae Hospice	$25 - $124	484%
Amish Community	$35	678%
Naphcare	$52 - $260	1008%
Celtic Insurance Company	$55 - $124	1066%
Claim Doc	$62 - $310	1202%
Hopetrust	$62 - $124	1202%
Wellfirst	$79	1531%
First Health	$92	1783%
Healthlink	$105	2035%
Multiplan/Phcs	$105	2035%
Provider Network of America	$112	2171%
Healthcare Finest Network (Hfn)	$112	2171%
Interplan	$124	2403%
Qtc Medical Group of Illinois	$124	2403%
Mental Health Network	$124	2403%
Health Alliance Medical Plans	$124	2403%
Healthscope	$124	2403%
Consociate Group	$124	2403%
Current Health Solutions	$124	2403%
Illinois Breast and Cervical Cancer Program	$124	2403%

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 $89.
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 St Joseph's Hospital 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.