Blood test, urea nitrogen (BUN, kidney)
Facility: Rehabilitation Hospital Of Overland Park
Billing Code: 84520 (CPT)
- CPT Billing Code: 84520
- Insurance Median: $82
- Cash Discount Price: $109
- vs. Medicare Baseline: 20.76x 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 2076% of the Medicare baseline (a markup of 1976%). 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 | $66 | 1671% |
| Americas Choice Provider Network | $77 | 1949% |
| Usa Managed Care Organization | $82 | 2076% |
| Velocity | $82 | 2076% |
| Quiktrip Corporation | $82 | 2076% |
| Provider Network Of America | $82 | 2076% |
| Multiplan-Phcs | $87 | 2203% |
| Prime Health Services | $93 | 2354% |
| Medincrease | $98 | 2481% |
Consumer Guidance & Cost Commentary
For the blood urea nitrogen (BUN) test at the Rehabilitation Hospital Of Overland Park, the cash price is $109.00, which matches the facility's median negotiated rate of $82.00 and the state average. This service is significantly more expensive than the Medicare benchmark of $3.95, reflecting a markup common in commercial billing structures. While the facility's negotiated rates for in-network payers range from $66 to $98, these amounts often exceed the cash price, meaning patients with high-deductible plans might save money by paying out-of-pocket and asking for a prompt-pay discount before scheduling.
It is important to verify your specific plan's allowed amount, as commercial rates can vary widely even within the same network tier. Although the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, unexpected charges can still occur if ancillary services are not properly classified. To ensure you receive the most accurate pricing, request an itemized bill that lists every CPT code and service rendered, and do not accept a summary bill as your final invoice. Always confirm with the billing department whether your specific insurance plan qualifies for the lowest negotiated rate or if paying cash upfront offers a better financial outcome.