Blood test, creatinine (kidney)
Facility: Overland Park Reg Med Ctr
Billing Code: 82565 (CPT)
- CPT Billing Code: 82565
- Insurance Median: $53
- Cash Discount Price: $300
- vs. Medicare Baseline: 10.35x 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 1035% of the Medicare baseline (a markup of 935%). 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 |
|---|---|---|
| Cigna | $3 - $5 | 59% |
| United | $5 - $142 | 98% |
| Celtic | $5 | 98% |
| Pyramid Life | $5 | 98% |
| Humana | $5 - $13 | 98% |
| Unicare | $5 | 98% |
| Healthyblue | $5 | 98% |
| Triwest Health Alliance | $5 | 98% |
| Amerigroup | $5 | 98% |
| Blue Cross Blue Shield | $5 - $135 | 98% |
| Coventry | $5 - $126 | 98% |
| Medicaid / KanCare | $5 | 98% |
| Wellcare | $5 | 98% |
| Devoted Health | $5 | 98% |
| Home State Health Plan | $5 | 98% |
| Aetna | $5 - $160 | 98% |
| Oscar | $8 | 156% |
| Multiplan | $9 - $233 | 176% |
| Corvel Corporation | $11 - $204 | 215% |
| Oha Network | $12 - $157 | 234% |
| Ambetter / Centene | $53 - $58 | 1035% |
| Nhc Advantage | $54 - $60 | 1055% |
| Wppa Providrs Care Network | $57 - $63 | 1113% |
| Universal Healthcare | $100 - $110 | 1953% |
| Coventry Kc Mo | $117 - $129 | 2285% |
| College Park Family Care Center | $123 - $135 | 2402% |
| Cco, Inc. | $214 - $236 | 4180% |
| Focus Healthcare Mgmt, Inc | $214 - $236 | 4180% |
Consumer Guidance & Cost Commentary
For the blood test code 82565 at Overland Park Reg Med Ctr, the cash price is $300.00, which matches the facility's cash median. This rate is significantly higher than the state average, which is $5.12, and also exceeds the facility's own negotiated rate of $53.00. While commercial payers like Aetna and Multiplan have negotiated rates ranging from $53 to $233, patients with high-deductible plans might find the cash price more affordable if their insurance allowed amount exceeds $300.00. It is important to note that while the facility is in-network for many major carriers, the negotiated rates vary widely depending on the specific plan and contract terms.
Patients should be aware that commercial insurance often results in higher out-of-pocket costs than paying cash directly due to administrative fees and contract structures. Although the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, unexpected charges can still occur if ancillary services are billed separately. To minimize costs, patients should request a prompt-pay discount or self-pay rate before scheduling, as these can reduce the bill by 20% to 50%. Additionally, patients should demand a full itemized bill to verify all charges and avoid paying summary invoices that may contain errors or unbundled codes.