Blood test, urea nitrogen (BUN, kidney)
Facility: Great Plains Of Sabetha
Billing Code: 84520 (CPT)
- CPT Billing Code: 84520
- Insurance Median: $24
- Cash Discount Price: $25
- vs. Medicare Baseline: 6.08x 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 608% of the Medicare baseline (a markup of 508%). 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 |
|---|---|---|
| Celtic Mcr Adv | $13 | 329% |
| Aetna | $13 - $25 | 329% |
| Celtic Comm Exchange-All Other Plans | $16 | 405% |
| Great West Healthcare-All Plans | $21 | 532% |
| UnitedHealthcare | $23 - $25 | 582% |
| Humana | $24 | 608% |
| Century/Wppa/Providers-All Plans | $24 | 608% |
| Federated Mutual Ins-All Plans | $24 | 608% |
| Cigna | $24 | 608% |
| Multiplan-Phcs-All Plans | $24 | 608% |
| Blue Cross Blue Shield | $25 | 633% |
| Medicaid / KanCare | $25 | 633% |
Consumer Guidance & Cost Commentary
For the blood test code 84520 at Great Plains Of Sabetha in Sabetha, Kansas, the facility's cash price of $25.00 is notably higher than the state average, which sits at $13.00. While the facility's negotiated rates range from $13.00 to $25.00 depending on the insurance plan, these amounts are generally higher than the Medicare benchmark of $3.95, reflecting the typical administrative markup inherent in commercial contracts. Patients with high-deductible plans may find that paying the full cash price of $25.00 upfront is more cost-effective than using insurance, as the negotiated rates often exceed the cash amount and could result in significant out-of-pocket costs if the patient's deductible has not yet been met.
To minimize costs, consumers should verify if the facility offers "self-pay" or "prompt-pay" discounts before scheduling, as these upfront payment incentives can bypass the higher administrative fees associated with insurance billing. It is also important to request a detailed, itemized bill rather than accepting a summary invoice, as over 80% of hospital bills contain errors such as double-billing or unbundled codes that can inflate the final charge. Finally, while the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, patients should always confirm their specific plan details and deductible status prior to receiving care to avoid unexpected financial obligations.