Blood test, urea nitrogen (BUN, kidney)
Facility: Greenwood County Hospital
Billing Code: 84520 (CPT)
- CPT Billing Code: 84520
- Insurance Median: $34
- Cash Discount Price: $34
- vs. Medicare Baseline: 8.61x 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 861% of the Medicare baseline (a markup of 761%). 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 |
|---|---|---|
| UnitedHealthcare | $2 - $38 | 51% |
| Blue Cross Blue Shield | $8 | 203% |
| Triwest - All Plans | $14 - $16 | 354% |
| Tricare | $17 - $19 | 430% |
| Choicecare Mcr Adv - All Plans | $17 - $19 | 430% |
| Integrated Health Plan - All Plans | $30 - $34 | 759% |
| First Health Ccn Network | $34 - $38 | 861% |
| First Health - All Other Plans | $34 - $38 | 861% |
| Beech Street - All Plans | $34 - $38 | 861% |
| Preferred Hs (Coventry) - All Plans | $36 - $40 | 911% |
| Principal Health Care Inc - All Plans | $38 - $43 | 962% |
| Amerigroup Mcaid-All Plans | $40 - $45 | 1013% |
| Medicaid / KanCare | $40 - $45 | 1013% |
| Providrs Care/Wppa - All Plans | $60 - $68 | 1519% |
Consumer Guidance & Cost Commentary
For this blood test procedure at Greenwood County Hospital in Eureka, Kansas, the cash median price is $34.00, which aligns exactly with the facility's median negotiated rate and the state average. This price is significantly lower than the gross charge of $43.00 and represents a substantial discount compared to the Medicare benchmark of $3.95, indicating a markup of 8.6 times the federal rate. While many commercial payers negotiate rates ranging from $2 to $68 depending on their specific plan, patients with high-deductible or self-pay options may find that paying the cash price directly is more cost-effective than relying on insurance, which often results in higher allowed amounts due to administrative overhead and contract dynamics.
To maximize savings, patients should proactively request "self-pay" or "prompt-pay" discounts before scheduling their visit, as these upfront payment incentives can reduce the final bill by 20% to 50% by bypassing costly insurance claims processing. It is important to avoid balance billing by ensuring the facility is in-network for your plan, as the No Surprises Act protects against unexpected out-of-network charges for emergency care and services at in-network facilities. Finally, if you receive a bill, always demand a full itemized statement rather than accepting a summary invoice, as over 80% of hospital bills contain errors that can be corrected through a formal written audit dispute.