Blood test, urea nitrogen (BUN, kidney)
Facility: Satanta District Hospital, Clinics, & Ltcu
Billing Code: 84520 (CPT)
- CPT Billing Code: 84520
- Insurance Median: $33
- Cash Discount Price: $41
- vs. Medicare Baseline: 8.35x 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 $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 835% of the Medicare baseline (a markup of 735%). 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 |
|---|---|---|
| Direct Benefit-All Plans | $11 | 278% |
| UnitedHealthcare | $13 - $46 | 329% |
| Berkley Net-All Plans | $18 | 456% |
| Trustmark Health Benefits-All Plans | $20 | 506% |
| Aetna | $20 - $31 | 506% |
| Meritain Health-All Plans | $21 | 532% |
| Ambetter / Centene | $22 | 557% |
| Axa Equitable - All Plans | $25 | 633% |
| Pinnacol-All Plans | $26 | 658% |
| Medi-Share-All Plans | $26 | 658% |
| Presbyterian-All Plans | $28 | 709% |
| Kasb Work Comp - All Plans | $29 | 734% |
| The Kempton Group Admin-All Plans | $32 | 810% |
| Gpha(Wppa)-All Other Plans | $32 | 810% |
| Auxiant - All Plans | $32 | 810% |
| Wppa- All Plans | $33 | 835% |
| Emc-All Plans | $33 | 835% |
| Sisco-All Plans | $33 | 835% |
| Providers Care Network- All Plans | $33 | 835% |
| Gpha Employee Benefit Plan | $34 | 861% |
| Regional Care(Wppa)-All Plans | $34 | 861% |
| Employee Benefit-All Plans | $34 | 861% |
| First Health -All Plans | $35 | 886% |
| One Call Physician-All Plans | $35 | 886% |
| Triangle-All Plans | $35 | 886% |
| Blue Cross Blue Shield | $36 | 911% |
| Christian Hospital Aid - All Plans | $37 | 937% |
| Tricare | $37 | 937% |
| Luminare Health- All Plans | $40 | 1013% |
| Cigna | $40 | 1013% |
| Humana | $40 | 1013% |
| Deseret Mutual(Uhis)-All Plans | $41 | 1038% |
| Coresource-All Plans | $41 | 1038% |
| Vaccn-All Plans | $42 | 1063% |
| Hma Llc-All Plans | $44 | 1114% |
| Wps Vapc-All Plans | $44 | 1114% |
| Reserve National-All Plans | $44 | 1114% |
| Medicaid / KanCare | $46 | 1165% |
Consumer Guidance & Cost Commentary
For this blood test service (CPT 84520), the facility's cash price of $41.00 is slightly higher than the state average of $34.00, though it remains close to the county average of $41.00. While commercial insurance plans typically negotiate rates ranging from $11 to $46, many of these negotiated amounts exceed the cash price, meaning patients with high-deductible plans might save money by paying the cash rate directly. It is important to note that the facility's cash price is also higher than the Medicare benchmark of $3.95, which serves as the objective baseline for evaluating pricing markups; commercial rates often average 200% to 300% of Medicare, whereas fair pricing is generally defined as 120% to 150% of this rate.
Patients should verify their specific plan's deductible status before relying on insurance, as some in-network negotiated rates can be significantly higher than the cash option if the deductible has not been met. Additionally, since this is a Critical Access Hospital in Satanta, KS, you may be eligible for a prompt-pay discount if you choose to pay your bill in full upfront, which can reduce the total cost by 20% to 50%. If you do use insurance, ensure you receive an itemized bill rather than a summary statement to identify any errors or unbundled charges, as over 80% of hospital bills contain mistakes that can be corrected through a formal written audit.