CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: Rush Memorial Hospital

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $150
Cash Discount Price: $319
vs. Medicare Baseline: 29.30x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at Rush Memorial Hospital is $150. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $319. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 29.30x the Medicare baseline. Located in 1300 N Main St, Rushville, IN.

Cash / Self-Pay

$319

Average discount available for prompt cash payment at this facility.

Insurance Median

$150

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: $319 (6230%)

Insurance Median: $150 (2930%)

Cash: $319 (6230% of Medicare)

Ins. Median: $150 (2930% 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 2930% of the Medicare baseline (a markup of 2830%). 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
Health Net	$17 - $548	332%
Aetna	$18 - $1,713	352%
Blue Cross Blue Shield	$18 - $1,364	352%
Caresource Mcr Adv	$18 - $577	352%
Humana	$18 - $1,713	352%
My True Advantage - All Plans	$18 - $577	352%
Today'S Option Mcr Adv-All Plans	$18 - $594	352%
UnitedHealthcare	$18 - $1,489	352%
Viant Beech St Mcr Adv	$18 - $594	352%
Caresource Marketplace-All Other Plans	$29 - $923	566%
Cigna	$46 - $1,489	898%
Phcs-All Plans	$46 - $1,489	898%
Consumers Life Ins-All Plans	$52 - $1,676	1016%
Coventry/First Health-All Plans	$52 - $1,676	1016%
Multiplan-All Plans	$53 - $1,731	1035%
Sagamore-All Plans	$53 - $1,713	1035%
Siho-All Plans	$53 - $1,713	1035%
Community Health Alliance-All Plans	$54 - $1,750	1055%
Encore Health Services-All Plans	$56 - $1,824	1094%

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 $319.
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 Rush Memorial Hospital 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.