Blood test, creatinine (kidney)
Facility: Menorah Medical Center
Billing Code: 82565 (CPT)
- CPT Billing Code: 82565
- Insurance Median: $11
- Cash Discount Price: $286
- vs. Medicare Baseline: 2.15x 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 215% of the Medicare baseline (a markup of 115%). 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 - $229 | 59% |
| Unicare | $5 | 98% |
| Triwest Health Alliance | $5 | 98% |
| Healthyblue | $5 | 98% |
| Amerigroup | $5 | 98% |
| Celtic | $5 | 98% |
| Pyramid Life | $5 | 98% |
| Medicaid / KanCare | $5 | 98% |
| Devoted Health | $5 | 98% |
| Humana | $5 - $13 | 98% |
| Coventry | $5 - $115 | 98% |
| Wellcare | $5 | 98% |
| Home State Health Plan | $5 | 98% |
| Blue Cross Blue Shield | $5 - $129 | 98% |
| Aetna | $5 - $146 | 98% |
| United | $5 - $129 | 98% |
| Oscar | $8 | 156% |
| Multiplan | $9 - $212 | 176% |
| Corvel Corporation | $11 - $186 | 215% |
| Oha Network | $12 - $143 | 234% |
| Ambetter / Centene | $53 | 1035% |
| Nhc Advantage | $54 | 1055% |
| Wppa Providrs Care Network | $57 | 1113% |
| Universal Healthcare | $100 | 1953% |
| Coventry Kc Mo | $117 | 2285% |
| College Park Family Care Center | $123 | 2402% |
| Focus Healthcare Mgmt, Inc | $215 | 4199% |
| Cco, Inc. | $215 | 4199% |
Consumer Guidance & Cost Commentary
For the blood test code 82565 (creatinine) at Menorah Medical Center in Overland Park, KS, the cash price is $286.00, which matches the facility's listed gross amount. This cash rate is significantly lower than the state average for this service, as indicated by the 2.1x multiplier compared to the Medicare benchmark of $5.12. While many commercial payers have negotiated rates ranging from $11.00 to over $200 depending on the specific plan, patients with high-deductible or self-pay options may find the cash price most advantageous. It is important to note that commercial negotiated rates often include administrative overhead and claim processing costs, which can make the upfront cash price a more economical choice for those who do not have active insurance coverage or have not yet met their deductible.
To minimize costs, patients should proactively request a "prompt-pay" discount from the billing department before scheduling or checking in, as hospitals often offer 20% to 50% reductions for upfront payment to avoid administrative delays and bad debt collection fees. Additionally, patients should avoid signing out-of-network consent waivers or paying surprise balance bills immediately, as the No Surprises Act protects against unexpected charges for emergency care and non-emergency services at in-network facilities. If a detailed statement is provided, it is recommended to request an itemized audit to verify that all charges correspond to services actually rendered, as summary bills can sometimes obscure unbundled codes or services not delivered.