CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Sacred Heart Hospital

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $4
Cash Discount Price: $10
vs. Medicare Baseline: 1.01x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Sacred Heart Hospital is $4. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $10. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 1.01x the Medicare baseline. Located in 5151 N 9Th Ave, Pensacola, FL.

Cash / Self-Pay

$10

Average discount available for prompt cash payment at this facility.

Insurance Median

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: $10 (253%)

Insurance Median: $4 (101%)

Cash: $10 (253% of Medicare)

Ins. Median: $4 (101% 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.

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
Aetna	$4 - $11	101%
Blue Mcr Replacement	$4	101%
Facility Billing - Op	$4	101%
Healthspring Mcr Replacement	$4	101%
Humana	$4	101%
Medicare (plans)	$4	101%
UnitedHealthcare	$4	101%
Wellcare	$4	101%
Oscar Health Plan	$6	152%
Smarthealth	$6	152%
Ambetter / Centene	$7	177%
Occunet	$7 - $9	177%
Cigna	$15	380%

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 $10.
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 Sacred Heart Hospital 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.