Blood test, urea nitrogen (BUN, kidney)
Facility: Adventist Health Clearlake
Billing Code: 84520 (CPT)
- CPT Billing Code: 84520
- Insurance Median: $16
- Cash Discount Price: $23
- vs. Medicare Baseline: 4.05x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. Medicare
Understanding this gauge: We use the federal Medicare rate of $3.95 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 405% of the Medicare baseline (a markup of 305%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
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 | $1 - $93 | 25% |
| Aetna | $2 - $166 | 51% |
| Blue Shield Epn - All Other Plans | $2 - $170 | 51% |
| Blue Shield Non-Epn | $2 - $170 | 51% |
| UnitedHealthcare | $2 - $185 | 51% |
| Western Growers- All Plans | $2 - $166 | 51% |
| Bc Managed Mcal | $3 - $5 | 76% |
| Cigna | $3 - $200 | 76% |
| First Health- All Plans | $3 - $178 | 76% |
| Foundation- All Plans | $3 - $189 | 76% |
| Health Mgmt Network- All Plans | $3 - $189 | 76% |
| Healthnet- All Plans | $3 - $182 | 76% |
| Humana | $3 - $189 | 76% |
| Interplan- All Plans | $3 - $200 | 76% |
| Kaiser- All Other Plans | $3 - $200 | 76% |
| Medi-Cal | $3 - $5 | 76% |
| Partnership Mcal - All Plans | $3 - $5 | 76% |
| Phcs- All Plans | $3 - $189 | 76% |
| Three Rivers Provider Network- All Plans | $3 - $200 | 76% |
| Blue Cross Blue Shield | $4 - $48 | 101% |
| Blue Shield Mcr Adv | $4 - $47 | 101% |
| Kaiser Mcr Adv | $4 - $47 | 101% |
| Tricare | $4 - $47 | 101% |