CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: Franciscan Health Lafayette

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $47
Cash Discount Price: $20
vs. Medicare Baseline: 9.18x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at Franciscan Health Lafayette is $47. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $20. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 9.18x the Medicare baseline. Located in 1701 S Creasy Ln, Lafayette, IN.

Cash / Self-Pay

$20

Average discount available for prompt cash payment at this facility.

Insurance Median

$47

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: $20 (391%)

Insurance Median: $47 (918%)

Cash: $20 (391% of Medicare)

Ins. Median: $47 (918% 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 918% of the Medicare baseline (a markup of 818%). 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	$4 - $5	78%
Mdwise [1175]	$5	98%
Medicaid / KanCare	$5 - $6	98%
Medicare (plans)	$5	98%
Unicare [1150]	$5	98%
Managed Health Services [1302]	$6	117%
Aetna	$9 - $83	176%
Managed Care [2000]	$9 - $104	176%
Workers Comp [1172]	$10	195%
Commercial [2001]	$23 - $115	449%
UnitedHealthcare	$29 - $61	566%
United Medical Resources [1158]	$32 - $56	625%
United Medical Resources [1301]	$32 - $61	625%
Humana	$45 - $78	879%
Cigna	$46 - $92	898%
Great West Insurance [1055]	$46 - $79	898%

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 $20.
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 Franciscan Health Lafayette 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.