CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: Medical Center of the Rockies

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $40
Cash Discount Price: $82
vs. Medicare Baseline: 7.81x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at Medical Center of the Rockies is $40. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $82. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 7.81x the Medicare baseline. Located in 2500 Rocky Mountain Ave, Loveland, CO.

Cash / Self-Pay

$82

Average discount available for prompt cash payment at this facility.

Insurance Median

$40

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: $82 (1602%)

Insurance Median: $40 (781%)

Cash: $82 (1602% of Medicare)

Ins. Median: $40 (781% 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 781% of the Medicare baseline (a markup of 681%). 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
Blue Cross Blue Shield	$2 - $119	39%
Aetna	$5 - $158	98%
Cigna	$5 - $146	98%
Cms	$5	98%
Devoted Health	$5	98%
Humana	$5	98%
Kaiser	$5	98%
Select Health	$5 - $81	98%
UnitedHealthcare	$5 - $158	98%
Simplified Benefits Administration	$12 - $151	234%
First Health	$26 - $113	508%
Denver Health Medical Plan	$35 - $149	684%
Midlands Choice	$40 - $172	781%
Multiplan	$40 - $174	781%
Phcs	$40 - $174	781%
Rocky Mountain Health Plans	$40 - $172	781%
First Choice Of The Midwest	$43 - $185	840%

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 $82.
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 Medical Center of the Rockies 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.