CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: UW Health

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $63
Cash Discount Price: $31
vs. Medicare Baseline: 12.30x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at UW Health is $63. 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 12.30x the Medicare baseline. Located in 1401 East State Street, Rockford, IL.

Cash / Self-Pay

$31

Average discount available for prompt cash payment at this facility.

Insurance Median

$63

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: $63 (1230%)

Cash: $31 (605% of Medicare)

Ins. Median: $63 (1230% 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 1230% of the Medicare baseline (a markup of 1130%). 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	$5 - $96	98%
Blue Cross Blue Shield	$5 - $66	98%
Humana	$5	98%
Medicare (plans)	$5 - $6	98%
Mychoice Wi Medical Adv	$5	98%
UnitedHealthcare	$5 - $8	98%
Quartz Fully Insured	$6 - $46	117%
Quartz Aso	$7 - $73	137%
Ecoh	$10 - $105	195%
Hfn	$10 - $105	195%
Alliance Premier Network	$63 - $73	1230%
The Alliance	$81 - $93	1582%
Wps Ppo	$89 - $103	1738%
Cigna	$92 - $106	1797%
Beloit Healt System	$104 - $120	2031%
Mercycare	$107 - $124	2090%
First Health/Coventry	$113 - $131	2207%
Health Payment Systems	$134 - $155	2617%
Healthsmart	$134 - $155	2617%
Sheboygan Employers Health Network	$143 - $166	2793%
Multiplan	$160 - $185	3125%

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 UW Health 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.