CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: Norton Hospitals, Inc

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $40
Cash Discount Price: $20
vs. Medicare Baseline: 7.81x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at Norton Hospitals, Inc is $40. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $20. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 7.81x the Medicare baseline. Located in 200 East Chestnut Street, Louisville, KY.

Cash / Self-Pay

$20

Average discount available for prompt cash payment at this facility.

Insurance Median

$40

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5.12

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5.12 (100%)

Cash / Self-Pay: $20 (391%)

Insurance Median: $40 (781%)

Cash: $20 (391% of Medicare)

Ins. Median: $40 (781% of 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 781% of the Medicare baseline (a markup of 681%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Aetna	$5 - $111	98%
Blue Cross Blue Shield	$5 - $132	98%
Humana	$5	98%
UnitedHealthcare	$5 - $140	98%
Wellcare	$5	98%
Passport	$10 - $30	195%
Siho	$17 - $114	332%
Cigna	$18 - $102	352%
Siho In Exchange	$34 - $106	664%
Multiplan	$37 - $129	723%
Correct Care	$40 - $126	781%
Correct Care Ob & Gyn	$40 - $126	781%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $20.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82565.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Norton Hospitals, Inc is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 82565.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.