Blood test, creatinine (kidney)
Facility: Providence Medical Center
Billing Code: 82565 (CPT)
- CPT Billing Code: 82565
- Insurance Median: $5
- Cash Discount Price: $5
- vs. Medicare Baseline: 0.98x 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.
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 |
|---|---|---|
| UnitedHealthcare | $5 - $8 | 98% |
| Blue Cross Blue Shield | $5 - $12 | 98% |
| Celtic | $5 - $8 | 98% |
| Medicare (plans) | $5 | 98% |
| Cigna | $5 | 98% |
| Aetna | $5 - $9 | 98% |
| Healthy Blue | $5 | 98% |
| Tricare | $5 | 98% |
| Midland Care Connection | $5 | 98% |
| Kansas Superior Select | $5 | 98% |
| Medicaid / KanCare | $5 | 98% |
| Corizon | $7 | 137% |
| Employer Direct Healthcare | $7 | 137% |
| Well Path Prison | $7 | 137% |
| Centurion | $8 | 156% |
| Naphcare | $8 | 156% |
| Comp Alliance - Fka Compresults Worker Compensation | $11 | 215% |
| Oha Networks | $11 | 215% |
| Worker Compensation | $12 | 234% |
Consumer Guidance & Cost Commentary
For the CPT code 82565, representing a blood test for creatinine (kidney function), the gross charge at Providence Medical Center in Kansas City, KS is $113.00. While the facility's cash median rate is $5.00, which is significantly lower than the negotiated rates paid by major payers like UnitedHealthcare ($5–$8) and Blue Cross Blue Shield ($5–$12), patients should be aware that insurance coverage often results in higher out-of-pocket costs. This occurs because commercial payers negotiate rates that frequently exceed cash prices to cover administrative overhead and claims processing. For individuals with high-deductible plans, paying the cash price of $5.00 upfront may be more cost-effective than relying on insurance, which could require a substantial deductible payment before coverage begins. Additionally, patients should explicitly ask the hospital about "self-pay" or "prompt-pay" discounts, which can further reduce the final bill if settled in full within a short window.
When evaluating this price, it is important to compare rates against objective benchmarks rather than the inflated gross charge. The Medicare amount for this service is $5.12, which serves as a scientifically validated baseline for the true cost of delivery. The facility's cash rate of $5.00 is nearly identical to the Medicare benchmark, indicating a pricing structure that aligns closely with federal cost standards. In contrast, the median negotiated rate of $5.00 and the gross charge of $113.00 represent significant markups over this baseline. Consumers should avoid accepting summary bills that obscure individual line items, as over 80% of hospital bills contain errors such as double-billing