Blood test, urea nitrogen (BUN, kidney)
Facility: Menorah Medical Center
Billing Code: 84520 (CPT)
- CPT Billing Code: 84520
- Insurance Median: $7
- Cash Discount Price: $217
- vs. Medicare Baseline: 1.77x 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 |
|---|---|---|
| Cigna | $2 - $174 | 51% |
| Pyramid Life | $4 | 101% |
| Wellcare | $4 | 101% |
| Devoted Health | $4 | 101% |
| Celtic | $4 | 101% |
| Coventry | $4 - $87 | 101% |
| Unicare | $4 | 101% |
| Aetna | $4 - $111 | 101% |
| Home State Health Plan | $4 | 101% |
| Amerigroup | $4 | 101% |
| Humana | $4 - $10 | 101% |
| Triwest Health Alliance | $4 | 101% |
| Medicaid / KanCare | $4 | 101% |
| Blue Cross Blue Shield | $4 - $98 | 101% |
| United | $4 - $98 | 101% |
| Healthyblue | $4 | 101% |
| Oscar | $6 | 152% |
| Multiplan | $7 - $161 | 177% |
| Oha Network | $9 - $109 | 228% |
| Corvel Corporation | $9 - $141 | 228% |
| Ambetter / Centene | $40 | 1013% |
| Nhc Advantage | $41 | 1038% |
| Wppa Providrs Care Network | $43 | 1089% |
| Universal Healthcare | $76 | 1924% |
| Coventry Kc Mo | $89 | 2253% |
| College Park Family Care Center | $93 | 2354% |
| Focus Healthcare Mgmt, Inc | $163 | 4127% |
| Cco, Inc. | $163 | 4127% |
Consumer Guidance & Cost Commentary
For this blood test procedure at Menorah Medical Center in Overland Park, KS, the cash price is $217.00, which matches the facility's median paid amount. This rate is significantly higher than the state average, reflecting a markup of 1.8 times the Medicare benchmark of $3.95. While commercial insurance plans like Aetna and Multiplan negotiate rates ranging from $4 to over $160 depending on the specific plan, these negotiated amounts often exceed the cash price due to administrative overhead and contract structures. Patients with high-deductible plans may find it financially advantageous to pay the $217.00 cash rate directly, as this avoids the higher negotiated fees that insurance carriers charge for processing claims and managing utilization reviews.
To secure the lowest possible cost, patients should proactively contact the hospital to inquire about "self-pay" or "prompt-pay" discounts, which can reduce the bill by 20% to 50% for upfront payment. It is important to verify your specific plan's allowed amount before scheduling, as assuming that being in-network guarantees the best price can lead to unexpected costs if your deductible has not yet been met. Additionally, if you receive a bill, always request a detailed, itemized statement rather than accepting a summary invoice, as over 80% of hospital bills contain errors such as double-billing or unbundled codes that can be corrected to lower your total debt.