CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Thomas H Boyd Memorial Hospital

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $98
Cash Discount Price: $151
vs. Medicare Baseline: 24.81x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Thomas H Boyd Memorial Hospital is $98. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $151. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 24.81x the Medicare baseline. Located in 800 School St, Carrollton, IL.

Cash / Self-Pay

$151

Average discount available for prompt cash payment at this facility.

Insurance Median

$98

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: $151 (3823%)

Insurance Median: $98 (2481%)

Cash: $151 (3823% of Medicare)

Ins. Median: $98 (2481% 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 2481% of the Medicare baseline (a markup of 2381%). 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	$7 - $96	177%
Blue Cross Blue Shield	$23 - $142	582%
Meridian Hp Mcaid-All Plans	$23	582%
Molina Mcaid-All Plans	$23	582%
UnitedHealthcare	$88 - $98	2228%
Health Alliance Mcr Adv	$96	2430%
Wellcare Mcr Adv-All Plans	$96	2430%
Humana	$97	2456%
Health Alliance-All Other Plans	$116	2937%
Ambetter / Centene	$125	3165%
Cigna	$135	3418%
Multiplan-All Plans	$142	3595%
Healthlink Hmo	$144	3646%
Healthlink Il Only	$144	3646%
Healthlink Ppo-All Other Plans	$163	4127%
Hfn Zelis-All Plans	$172	4354%

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 $151.
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 Thomas H Boyd Memorial 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.