CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: Loma Linda University Medical Center-Murrieta

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $18
Cash Discount Price: $38
vs. Medicare Baseline: 3.52x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at Loma Linda University Medical Center-Murrieta is $18. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $38. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 3.52x the Medicare baseline. Located in 28062 Baxter Road, Murrieta, CA.

Cash / Self-Pay

$38

Average discount available for prompt cash payment at this facility.

Insurance Median

$18

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5.12

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5.12 (100%)

Cash / Self-Pay: $38 (742%)

Insurance Median: $18 (352%)

Cash: $38 (742% of Medicare)

Ins. Median: $18 (352% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $5.12 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 352% of the Medicare baseline (a markup of 252%). 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
Alpha Care Medical Group	$5 - $8	98%
Dignity Health	$5 - $8	98%
Epic Health Plan	$5 - $55	98%
Inland Empire Health Plan (Iehp)	$5 - $7	98%
Trivalley Medical Group	$5	98%
Vantage Medical Group	$5 - $8	98%
Kaiser Foundation Hospitals	$6 - $41	117%
Molina Healthcare Of Ca	$6	117%
UnitedHealthcare	$6	117%
Adventist Health	$7 - $20	137%
Lluh Dept Of Risk Management	$8 - $24	156%
Aetna	$18 - $58	352%
Heritage Provider Network	$21 - $66	410%
Cigna	$22 - $55	430%
Multiplan	$26 - $74	508%
Blue Shield Of California	$33 - $41	645%
Blue Cross Blue Shield	$47	918%

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 $38.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82565.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Loma Linda University Medical Center-Murrieta is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 82565.
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.