CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: St Luke's Nampa Medical Center

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $20
Cash Discount Price: $31
vs. Medicare Baseline: 3.91x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at St Luke's Nampa Medical Center is $20. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $31. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 3.91x the Medicare baseline. Located in 9850 West St Lukes Drive, Nampa, ID.

Cash / Self-Pay

$31

Average discount available for prompt cash payment at this facility.

Insurance Median

$20

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: $31 (605%)

Insurance Median: $20 (391%)

Cash: $31 (605% of Medicare)

Ins. Median: $20 (391% 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 391% of the Medicare baseline (a markup of 291%). 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	$5 - $33	98%
Commercial [1028]	$5 - $35	98%
Mountain Health Co-Op [1067]	$5 - $25	98%
Pacificsource [1020]	$5 - $29	98%
Select Health [1063]	$5 - $25	98%
Slplan Tap Mc St Lukes Health Plan [1641000001]	$5 - $25	98%
St Lukes Health Plan [1046]	$5 - $25	98%
UnitedHealthcare	$5 - $32	98%
Regence [1005]	$11 - $12	215%
Blue Shield Alt [100401]	$12	234%
Regence Out Of State [1004]	$12	234%
Aetna	$18 - $35	352%
Cigna	$18 - $31	352%
Providence [1022]	$18 - $31	352%
Webtpa [1071]	$18 - $33	352%
First Health [1064]	$19 - $33	371%
Geha [1065]	$19 - $32	371%
United Medical Resources [1051]	$19 - $32	371%
Moda [1055]	$20 - $34	391%

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 $31.
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 St Luke's Nampa Medical Center 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.