CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Medical Center of the Rockies

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $77
Cash Discount Price: $87
vs. Medicare Baseline: 19.49x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Medical Center of the Rockies is $77. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $87. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 19.49x the Medicare baseline. Located in 2500 Rocky Mountain Ave, Loveland, CO.

Cash / Self-Pay

$87

Average discount available for prompt cash payment at this facility.

Insurance Median

$77

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$3.95

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $3.95 (100%)

Cash / Self-Pay: $87 (2203%)

Insurance Median: $77 (1949%)

Cash: $87 (2203% of Medicare)

Ins. Median: $77 (1949% of 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 1949% of the Medicare baseline (a markup of 1849%). 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 - $80	51%
Aetna	$4 - $106	101%
Cigna	$4 - $98	101%
Cms	$4	101%
Devoted Health	$4	101%
Humana	$4	101%
Kaiser	$4	101%
Select Health	$4 - $55	101%
UnitedHealthcare	$4 - $106	101%
Simplified Benefits Administration	$27 - $101	684%
First Health	$57 - $76	1443%
Denver Health Medical Plan	$75 - $100	1899%
Midlands Choice	$87 - $115	2203%
Rocky Mountain Health Plans	$87 - $115	2203%
Multiplan	$88 - $117	2228%
Phcs	$88 - $117	2228%
First Choice Of The Midwest	$93 - $124	2354%

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 $87.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 84520.

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 84520.
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.