Detection Test By Immunoassay With Direct Visual Observation For Severe Acute Respiratory Syndrome Coronavirus 2 (covid-19) in Indiana

Indiana Pricing in Context

In Indiana, CPT code 87811 (Detection Test By Immunoassay With Direct Visual Observation For Severe Acute Respiratory Syndrome Coronavirus 2 (covid-19)) carries an average Medicare payment of $40.02 — 0% below the national benchmark of $40.14. 655 providers across the state submitted claims for this procedure in 2023, performing 10.9K total services. Individual payments in IN ranged from N/A at the low end to N/A at the high end, reflecting differences in provider setting (office vs. facility), modifiers, and the specific geographic locality code applied within the state.

The average billed charge in Indiana is $100.25, which is the figure uninsured patients would most likely encounter before any negotiation or charity discount. Medicare, by statute, only reimburses the allowed amount — the balance between billed and paid is written off under provider participation agreements. Insured patients generally pay a negotiated rate that falls between these two figures; the exact amount depends on plan design, deductible status, and in-network participation. Because Indiana sits below the national Medicare average, commercial rates in the state may also run lower than the US median.

Using RAND 2024 commercial-to-Medicare ratios for Immunology procedures, the estimated commercial insurance price in Indiana lands near $84.04, with self-pay cash prices typically around $57.58. Before scheduling, patients can request a Good Faith Estimate under the No Surprises Act, compare cash rates from hospital Machine-Readable Files, and confirm whether the provider is in-network with their specific plan. This page presents CMS reference data for informational use; it does not constitute medical or financial advice.