CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: UW Health

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $66
Cash Discount Price: $31
vs. Medicare Baseline: 16.71x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at UW Health is $66. 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 $3.95, this hospital’s rate is 16.71x 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

$66

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: $31 (785%)

Insurance Median: $66 (1671%)

Cash: $31 (785% of Medicare)

Ins. Median: $66 (1671% 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 1671% of the Medicare baseline (a markup of 1571%). 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	$4 - $91	101%
Blue Cross Blue Shield	$4 - $62	101%
Humana	$4	101%
Medicare (plans)	$4	101%
Mychoice Wi Medical Adv	$4	101%
UnitedHealthcare	$4 - $6	101%
Quartz Fully Insured	$43 - $44	1089%
Ecoh	$63 - $99	1595%
Hfn	$63 - $99	1595%
Alliance Premier Network	$68 - $69	1722%
Quartz Aso	$68 - $69	1722%
The Alliance	$88 - $89	2228%
Wps Ppo	$96 - $97	2430%
Cigna	$100 - $101	2532%
Beloit Healt System	$113 - $114	2861%
Mercycare	$116 - $118	2937%
First Health/Coventry	$123 - $124	3114%
Health Payment Systems	$146 - $147	3696%
Healthsmart	$146 - $147	3696%
Sheboygan Employers Health Network	$155 - $157	3924%
Multiplan	$173 - $175	4380%

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: 84520.

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 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.