Blood test, urea nitrogen (BUN, kidney)
Facility: Overland Park Reg Med Ctr
Billing Code: 84520 (CPT)
- CPT Billing Code: 84520
- Insurance Median: $57
- Cash Discount Price: $240
- vs. Medicare Baseline: 14.43x 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.
Elevated Commercial Rate Alert (Value-Gap)
The negotiated rate at this facility is 1443% of the Medicare baseline (a markup of 1343%). 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 | $2 - $4 | 51% |
| Wellcare | $4 | 101% |
| United | $4 - $136 | 101% |
| Amerigroup | $4 | 101% |
| Aetna | $4 - $155 | 101% |
| Medicaid / KanCare | $4 | 101% |
| Humana | $4 - $10 | 101% |
| Home State Health Plan | $4 | 101% |
| Healthyblue | $4 | 101% |
| Celtic | $4 | 101% |
| Devoted Health | $4 | 101% |
| Coventry | $4 - $122 | 101% |
| Unicare | $4 | 101% |
| Blue Cross Blue Shield | $4 - $130 | 101% |
| Pyramid Life | $4 | 101% |
| Triwest Health Alliance | $4 | 101% |
| Oscar | $6 | 152% |
| Multiplan | $7 - $224 | 177% |
| Oha Network | $9 - $152 | 228% |
| Corvel Corporation | $9 - $197 | 228% |
| Ambetter / Centene | $40 - $56 | 1013% |
| Nhc Advantage | $41 - $58 | 1038% |
| Wppa Providrs Care Network | $43 - $61 | 1089% |
| Universal Healthcare | $76 - $106 | 1924% |
| Coventry Kc Mo | $89 - $124 | 2253% |
| College Park Family Care Center | $94 - $130 | 2380% |
| Cco, Inc. | $163 - $228 | 4127% |
| Focus Healthcare Mgmt, Inc | $163 - $228 | 4127% |
Consumer Guidance & Cost Commentary
For the blood urea nitrogen (BUN) test at Overland Park Reg Med Ctr, the cash price of $240.00 is significantly higher than the state average of $3.95, reflecting the facility's proprietary ownership and location in Overland Park, KS. While commercial payers like United and Aetna negotiate rates ranging from $4 to $155, these in-network amounts often exceed the cash price, meaning patients with high-deductible plans might save money by paying the full cash rate directly. It is important to note that the facility does not provide a median paid amount for this service, so the negotiated rates listed above represent the maximum amounts insurers may agree to pay rather than actual payments received.
To ensure you are not overcharged, always request an itemized billing audit before finalizing payment, as summary bills can obscure individual code costs and potential errors. If you choose to use insurance, be aware that administrative processing fees can inflate the baseline price by 20% to 40%, and some in-network contracts may still result in balance billing if ancillary services are out-of-network. Before scheduling, verify your deductible status and ask the billing department specifically about "self-pay" or "prompt-pay" discounts, which can reduce the final bill by 20% to 50% if settled upfront, effectively bypassing costly claims processing delays.