Blood test, creatinine (kidney)
Facility: Jewell County Hospital
Billing Code: 82565 (CPT)
- CPT Billing Code: 82565
- Insurance Median: $59
- Cash Discount Price: $47
- vs. Medicare Baseline: 11.52x 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 1152% of the Medicare baseline (a markup of 1052%). 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 |
|---|---|---|
| Rural Carriers - All Plans | $53 | 1035% |
| Aetna | $56 | 1094% |
| Meritain - All Plans | $56 | 1094% |
| UnitedHealthcare | $59 | 1152% |
| Cigna | $59 | 1152% |
| Midlands Choice - All Plans | $59 | 1152% |
| First Health - All Plans | $59 | 1152% |
Consumer Guidance & Cost Commentary
For the June 2026 billing cycle at Jewell County Hospital in Mankato, Kansas, the negotiated rate for a blood test measuring creatinine (kidney function) is $59. This amount is consistent across all seven major payers, including Aetna, Cigna, and UnitedHealthcare, and matches the facility's median negotiated rate. While the hospital's cash price is lower at $47, patients with high-deductible plans may find the insurance negotiated rate more beneficial if their out-of-pocket costs exceed the cash price. Because this service is provided by a Critical Access Hospital with government local ownership, patients should proactively ask about self-pay or prompt-pay discounts before scheduling to potentially reduce their final balance.
It is important to understand that commercial rates often differ significantly from government benchmarks; in this case, the Medicare amount for this code is only $5.12, highlighting the substantial markup inherent in commercial billing structures. Although the facility is located in a rural area, the data shows no specific county or state average provided for comparison, so the focus remains on the facility's own negotiated pricing. Patients should avoid accepting summary bills that only show broad category totals and instead request a full itemized CPT-coded statement to verify that no unbundled charges or services not rendered are included. If a balance bill arises unexpectedly, consumers should not pay immediately but should instead dispute the charge with their insurer to ensure compliance with federal protections like the No Surprises Act.