CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: Adventist Health Howard Memorial

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $98
Cash Discount Price: $50
vs. Medicare Baseline: 19.14x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at Adventist Health Howard Memorial is $98. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $50. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 19.14x the Medicare baseline. Located in 1 Marcela Dr, Willits, CA.

Cash / Self-Pay

$50

Average discount available for prompt cash payment at this facility.

Insurance Median

$98

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: $50 (977%)

Insurance Median: $98 (1914%)

Cash: $50 (977% of Medicare)

Ins. Median: $98 (1914% 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 1914% of the Medicare baseline (a markup of 1814%). 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
Ah Employee Health Plan - All Plans	$2 - $120	39%
Aetna	$3 - $155	59%
Blue Shield - All Other Plans	$3 - $158	59%
Blue Shield Epn	$3 - $158	59%
First Health Ppo - All Plans	$3 - $185	59%
Ghn Ppo - All Plans	$3 - $185	59%
UnitedHealthcare	$3 - $179	59%
Western Growers/Pinnacle - All Plans	$3 - $173	59%
Brms - All Plans	$4 - $196	78%
Cigna	$4 - $196	78%
Healthnet - All Plans	$4 - $189	78%
Medi-Cal	$4 - $6	78%
Blue Shield Mcare	$28 - $46	547%
Medicare (plans)	$28 - $47	547%
Tricare	$28 - $46	547%
Blue Cross Blue Shield	$51 - $61	996%

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 $50.
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 Adventist Health Howard Memorial 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.