Blood test, urea nitrogen (BUN, kidney)
Facility: Labette Health
Billing Code: 84520 (CPT)
- CPT Billing Code: 84520
- Insurance Median: $4
- Cash Discount Price: $27
- vs. Medicare Baseline: 1.01x 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 $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.
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 |
|---|---|---|
| Blue Cross Blue Shield | $4 - $8 | 101% |
| Humana | $4 | 101% |
| Montgomery County | $4 - $21 | 101% |
| Medicaid / KanCare | $4 | 101% |
| Healthy Blue | $4 | 101% |
| Wellcare | $4 | 101% |
| UnitedHealthcare | $4 - $57 | 101% |
| Ambetter / Centene | $5 | 127% |
| Uhccp | $6 | 152% |
| Multiplan | $55 | 1392% |
| Health Partners Of Kansas, Inc | $58 | 1468% |
| Choicecare (First Health Network) | $58 | 1468% |
Consumer Guidance & Cost Commentary
For this blood test procedure at Labette Health in Parsons, KS, the facility's cash median rate of $27.00 is significantly lower than the negotiated rates charged to insurance payers, which range from $4.00 to $58.00 depending on the specific plan. While the facility is a government-owned acute care hospital, patients with high-deductible plans may find the cash price more affordable if their insurance negotiated rate exceeds $27.00. It is important to note that the cash median is also lower than the state average for this service, making it a competitive option for self-pay patients.
To maximize savings, patients should explicitly request a "self-pay" or "prompt-pay" discount before scheduling the appointment, as billing systems often default to insurance processing once a card is on file. If you do not have insurance or wish to avoid administrative fees associated with claims processing, paying upfront can bypass the costly insurance billing cycle and secure the lowest possible rate. Additionally, since the facility is in-network for most major payers, the No Surprises Act generally protects you from balance billing for emergency care or out-of-network services at this location, though you should always verify your specific plan's allowed amount to ensure you are not being charged the full chargemaster gross price.