Blood test, creatinine (kidney)
Facility: Neosho Memorial Regional Medical Center
Billing Code: 82565 (CPT)
- CPT Billing Code: 82565
- Insurance Median: $48
- Cash Discount Price: $112
- vs. Medicare Baseline: 9.38x 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 938% of the Medicare baseline (a markup of 838%). 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 |
|---|---|---|
| Medicaid / KanCare | $5 | 98% |
| Blue Cross Blue Shield | $12 - $48 | 234% |
| Tricare | $46 | 898% |
| Va_Ccn | $48 | 938% |
| Aetna | $48 | 938% |
| Medadv_Allwell | $48 | 938% |
| Medadv_Uhc | $48 | 938% |
| Humana | $48 | 938% |
| Medicare (plans) | $48 | 938% |
| Ambetter / Centene | $50 | 977% |
| United | $124 | 2422% |
| Wppa_Providrscare | $124 | 2422% |
| Hpk | $142 | 2773% |
| Coventry | $142 | 2773% |
| Cigna | $142 | 2773% |
Consumer Guidance & Cost Commentary
For the blood test for creatinine at Neosho Memorial Regional Medical Center in Chanute, Kansas, the facility's cash price of $112.00 is significantly lower than the negotiated rates charged to most major insurance payers, which range from $48.00 to $142.00. While the facility is a Critical Access Hospital with government ownership, patients with high-deductible plans or those without insurance may find paying cash directly more cost-effective than relying on insurance, as the negotiated rates often exceed the cash price. It is important to note that while the facility offers a cash median of $112.00, the median amount actually paid by insurers was $103.00, suggesting that for some specific insurance plans, the allowed amount may be lower than the cash rate.
To avoid unexpected costs, patients should verify their specific plan's deductible status before scheduling, as paying the full negotiated rate without meeting the deductible can result in higher out-of-pocket expenses than paying cash outright. Additionally, patients should explicitly ask the hospital about "self-pay" or "prompt-pay" discounts, which can reduce the final bill by 20% to 50% if paid in full upfront, bypassing the administrative overhead of insurance claims. If a patient receives a bill from an out-of-network provider or encounters a surprise balance bill, they should not pay immediately; instead, they should request an itemized audit to identify errors and dispute the charge under federal protections like the No Surprises Act.