CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Franciscan Health Lafayette

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $61
Cash Discount Price: $24
vs. Medicare Baseline: 15.44x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Franciscan Health Lafayette is $61. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $24. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 15.44x the Medicare baseline. Located in 1701 S Creasy Ln, Lafayette, IN.

Cash / Self-Pay

$24

Average discount available for prompt cash payment at this facility.

Insurance Median

$61

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: $24 (608%)

Insurance Median: $61 (1544%)

Cash: $24 (608% of Medicare)

Ins. Median: $61 (1544% 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 1544% of the Medicare baseline (a markup of 1444%). 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	$3 - $4	76%
Managed Health Services [1302]	$4	101%
Mdwise [1175]	$4	101%
Medicaid / KanCare	$4 - $5	101%
Medicare (plans)	$4	101%
Unicare [1150]	$4	101%
Aetna	$7 - $83	177%
Managed Care [2000]	$7 - $104	177%
Workers Comp [1172]	$8	203%
Commercial [2001]	$18 - $115	456%
UnitedHealthcare	$44 - $61	1114%
United Medical Resources [1158]	$49 - $56	1241%
United Medical Resources [1301]	$49 - $61	1241%
Cigna	$70 - $92	1772%
Great West Insurance [1055]	$70 - $79	1772%
Humana	$84 - $94	2127%

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 $24.
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 Franciscan Health Lafayette 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.