CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Rush Memorial Hospital

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $41
Cash Discount Price: $46
vs. Medicare Baseline: 10.38x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Rush Memorial Hospital is $41. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $46. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 10.38x the Medicare baseline. Located in 1300 N Main St, Rushville, IN.

Cash / Self-Pay

$46

Average discount available for prompt cash payment at this facility.

Insurance Median

$41

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: $46 (1165%)

Insurance Median: $41 (1038%)

Cash: $46 (1165% of Medicare)

Ins. Median: $41 (1038% 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 1038% of the Medicare baseline (a markup of 938%). 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	$18	456%
Aetna	$19 - $57	481%
Caresource Mcr Adv	$19	481%
Humana	$19 - $57	481%
My True Advantage - All Plans	$19	481%
UnitedHealthcare	$19 - $49	481%
Blue Cross Blue Shield	$20 - $45	506%
Today'S Option Mcr Adv-All Plans	$20	506%
Viant Beech St Mcr Adv	$20	506%
Caresource Marketplace-All Other Plans	$31	785%
Cigna	$49	1241%
Phcs-All Plans	$49	1241%
Consumers Life Ins-All Plans	$56	1418%
Coventry/First Health-All Plans	$56	1418%
Multiplan-All Plans	$57	1443%
Sagamore-All Plans	$57	1443%
Siho-All Plans	$57	1443%
Community Health Alliance-All Plans	$58	1468%
Encore Health Services-All Plans	$61	1544%

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 $46.
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 Rush 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.