Blood test, creatinine (kidney)
Facility: St Luke Hospital & Living Center
Billing Code: 82565 (CPT)
- CPT Billing Code: 82565
- Insurance Median: $29
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 5.66x 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 566% of the Medicare baseline (a markup of 466%). 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 |
|---|---|---|
| Blue Cross Blue Shield | $29 | 566% |
| Kansas Department Of Health And Environment | $29 | 566% |
| Va Ccn | $29 | 566% |
| Ambetter / Centene | $29 | 566% |
| Humana | $29 | 566% |
| Bluestem Pace | $29 | 566% |
| UnitedHealthcare | $29 | 566% |
Consumer Guidance & Cost Commentary
For the blood test for creatinine (kidney) at St Luke Hospital & Living Center in Marion, KS, the facility's negotiated rate is $29.00, which matches the lowest and highest negotiated amounts reported across all payers. This rate is 5.7% higher than the Medicare benchmark of $5.12, reflecting the standard markup for commercial insurance contracts. While the facility is a Critical Access Hospital owned by a Government Hospital District, patients should be aware that cash-pay options are not listed in this report. However, for individuals with high-deductible plans, paying cash upfront can sometimes result in lower out-of-pocket costs if the insurance negotiated rate exceeds the cash price, provided the patient secures a prompt-pay discount before services are rendered.
To minimize potential balance billing or unexpected charges, patients should request a self-pay classification and a prompt-pay discount prior to scheduling, rather than waiting until after receiving a bill. Since the No Surprises Act prohibits balance billing for emergency care and non-emergency services at in-network facilities, patients should verify that all ancillary services, such as lab work, are covered under the facility's network agreements. If a detailed itemized bill is received, consumers are encouraged to review it line-by-line to identify any unbundled codes or services not rendered, as over 80% of hospital bills contain errors that can be corrected through a formal written audit dispute.