CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Mercy Medical Center-New Hampton

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $61
Cash Discount Price: $42
vs. Medicare Baseline: 15.44x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Mercy Medical Center-New Hampton is $61. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $42. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 15.44x the Medicare baseline. Located in 308 North Maple Avenue, New Hampton, IA.

Cash / Self-Pay

$42

Average discount available for prompt cash payment at this facility.

Insurance Median

$61

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: $42 (1063%)

Insurance Median: $61 (1544%)

Cash: $42 (1063% of Medicare)

Ins. Median: $61 (1544% 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 1544% of the Medicare baseline (a markup of 1444%). 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
Aetna	$26 - $61	658%
Blue Cross Blue Shield	$26	658%
Medicare (plans)	$26 - $29	658%
UnitedHealthcare	$28 - $39	709%
Health Choices	$33	835%
Medical Associates	$33	835%
Amish Hospital Aid	$35	886%
Oscar	$38	962%
Geha	$39	987%
Ambetter / Centene	$44	1114%
Iowa Total Care	$44	1114%
Medicaid / KanCare	$45	1139%
Claimdoc	$52	1316%
Nova	$52	1316%
1199 National Benefit Fund	$61	1544%
Allied Benefit Systems	$61	1544%
Asr Health Benefits	$61	1544%
Coventry	$61	1544%
First Health	$61	1544%
Lucent Health	$61	1544%
Luminare Health	$61	1544%
Medical Mutual	$61	1544%
Meritain	$61	1544%
Trustmark Small Business Benefits	$61	1544%
Webtpa	$61	1544%
First Choice Health	$62	1570%
Health Partners	$62	1570%
Auxiant	$63	1595%
Cigna	$63	1595%
Medica	$63	1595%
Midlands	$63	1595%
Midlands Choice	$63	1595%
Crime Victim Assistance	$65	1646%
Iowa Dept Of Public Health	$65	1646%

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 $42.
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 Mercy Medical Center-New Hampton 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.