Blood test, urea nitrogen (BUN, kidney)
Facility: Wamego Health Center
Billing Code: 84520 (CPT)
- CPT Billing Code: 84520
- Insurance Median: $4
- Cash Discount Price: $40
- vs. Medicare Baseline: 1.01x 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 |
|---|---|---|
| Aetna | $4 | 101% |
| UnitedHealthcare | $4 | 101% |
| Providrs Care | $4 | 101% |
| Medicaid / KanCare | $4 | 101% |
| Blue Cross Blue Shield | $85 - $90 | 2152% |
Consumer Guidance & Cost Commentary
For the CPT code 84520 (Blood test, urea nitrogen), Wamego Health Center lists a cash median price of $40.00, which is significantly lower than the facility's gross charge of $100.00. While the facility does not have a specific median paid amount reported, the cash price is notably lower than the Medicare benchmark of $3.95 when adjusted for the facility's specific pricing structure, suggesting that paying out-of-pocket may offer substantial savings compared to standard insurance negotiations. For patients with high-deductible plans, paying the $40.00 cash rate directly could be more cost-effective than relying on insurance, as commercial negotiated rates often exceed cash prices due to administrative overhead and contract dynamics. It is advisable to contact the hospital directly to confirm if "self-pay" or "prompt-pay" discounts are available, as these upfront payment incentives can further reduce the final amount owed.
This service is provided at a Critical Access Hospital in Wamego, KS, with data reflecting a vintage of June 2026. The facility serves five payers, including Aetna, UnitedHealthcare, and Medicaid/KanCare, though specific negotiated rates for these insurers are not disclosed in the current dataset. Because commercial insurance contracts often result in higher allowed amounts than cash prices, patients should verify their specific plan's allowed amount before scheduling. If a patient receives care from an out-of-network provider at this facility, they may be subject to balance billing for the difference between the provider's full charge and the insurance allowed amount, though the No Surprises Act protects against such billing for emergency care and non-emergency services at in-network facilities. To avoid unexpected