Blood test, creatinine (kidney)
Facility: University Of Kansas Health System - St Francis Campus
Billing Code: 82565 (CPT)
- CPT Billing Code: 82565
- Insurance Median: $28
- Cash Discount Price: $20
- vs. Medicare Baseline: 5.47x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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 547% of the Medicare baseline (a markup of 447%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Black Lung [6055] | $28 | 547% |
| Blue Cross Blue Shield | $28 | 547% |
| Oncology Patient Assistance Programs [2295] | $28 | 547% |
| Lucent Health [6000] | $28 | 547% |
| Hooray Health [8000] | $28 | 547% |
| Healthcare Highways [2210] | $28 | 547% |
| Aetna | $28 | 547% |
| Web Tpa [2115] | $28 | 547% |
| Department Of Corrections [1340] | $34 | 664% |
| Healthpartners [1500] | $39 | 762% |
| American Postal Workers Union [1070] | $39 | 762% |
| National Association Of Letter Carriers [1695] | $39 | 762% |
| Cigna | $39 | 762% |
| Humana | $40 | 781% |
| Administrative Concepts [1005] | $53 | 1035% |
| First Health [1375] | $53 | 1035% |
| Multiplan [1680] | $53 | 1035% |
| American Healthcare [1055] | $53 | 1035% |
| Coventry Healthcare [1320] | $56 | 1094% |
Consumer Guidance & Cost Commentary
For the blood test for creatinine (kidney) at the University Of Kansas Health System - St Francis Campus, the facility's cash price of $20.00 is significantly lower than the average negotiated rate of $28.00 paid by insurance plans. While the facility's gross charge is $68.00, commercial payers negotiate rates ranging from $28.00 to $56.00 depending on the specific plan, with most organizations settling at $28.00 or $39.00. This cash price is notably lower than the Medicare benchmark of $5.12, which serves as the federal baseline for hospital pricing, indicating that the facility's commercial rates are well above the true cost of care. Patients with high-deductible plans may find it financially advantageous to pay the $20.00 cash price directly, as the insurance negotiated rates often exceed this amount before deductibles are met.
To minimize costs, patients should verify if the facility offers "self-pay" or "prompt-pay" discounts, which can reduce the bill further by bypassing administrative fees associated with insurance claims. It is important to note that while the facility is in-network for many plans, the actual amount paid by the insurer varies widely, with some payers like Administrative Concepts and Coventry Healthcare negotiating rates as high as $53.00 and $56.00 respectively. Because the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, patients should not feel pressured to pay unexpected differences immediately. For the most accurate pricing, consumers are encouraged to request an itemized bill and confirm their specific plan's allowed amount before scheduling