Blood test, creatinine (kidney)
Facility: Bob Wilson Memorial Hospital
Billing Code: 82565 (CPT)
- CPT Billing Code: 82565
- Insurance Median: $47
- Cash Discount Price: $23
- vs. Medicare Baseline: 9.18x 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 918% of the Medicare baseline (a markup of 818%). 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 |
|---|---|---|
| Centura Employee Plan | $6 | 117% |
| Blue Cross Blue Shield | $15 | 293% |
| Aetna | $18 - $46 | 352% |
| Humana | $18 | 352% |
| UnitedHealthcare | $18 - $48 | 352% |
| Kansas Health | $18 | 352% |
| Medicare (plans) | $18 | 352% |
| Multiplan | $51 - $53 | 996% |
| Wppa | $54 | 1055% |
| Health Partners Of Kansas | $54 | 1055% |
Consumer Guidance & Cost Commentary
For the blood test for creatinine (kidney) at Bob Wilson Memorial Hospital in Ulysses, KS, the facility's cash median price is $23.00, which is lower than the state average of $23.00. While the hospital's negotiated rates with insurance payers range from $6 to $54, patients with high-deductible plans may find the cash price more affordable if their insurance negotiated rate exceeds $23.00. It is important to note that commercial negotiated rates often include administrative overhead and can be significantly higher than the cash price, so patients should verify their specific plan's allowed amount before scheduling to ensure they are not paying more than necessary.
Patients should be aware that while the No Surprises Act protects against balance billing for emergency care and non-emergency services from out-of-network providers at in-network facilities, unexpected charges can still occur if ancillary services are billed separately. To avoid confusion, consumers should request a full itemized CPT-coded bill before paying, as summary bills may obscure individual line items or unbundled charges. Additionally, asking the hospital about "self-pay" or "prompt-pay" discounts prior to check-in can result in immediate fee reductions, bypassing the costly insurance claims cycle and potentially lowering the final cost for the patient.