CMS Price Transparency Data
Blood test, creatinine (kidney)
Facility: St Joe Mercy Hospital System Livonia
Billing Code: 82565 (CPT)
Factual Cost Summary (Answer Capsule)
- CPT Billing Code: 82565
- Insurance Median: $19
- Cash Discount Price: $150
- vs. Medicare Baseline: 3.71x Medicare
The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at St Joe Mercy Hospital System Livonia is $19. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $150. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 3.71x the Medicare baseline. Located in 36475 Five Mile Road, Livonia, MI.
Cash / Self-Pay
$150
Average discount available for prompt cash payment at this facility.
Insurance Median
$19
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: $150 (2930%)
Insurance Median: $19 (371%)
Cash: $150 (2930% of Medicare)
Ins. Median: $19 (371% 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 371% of the Medicare baseline (a markup of 271%). 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.
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Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| U Of M Health Plan | $2 | 39% |
| Blue Cross Blue Shield | $3 - $5 | 59% |
| Medicaid / KanCare | $3 | 59% |
| Aetna | $5 - $17 | 98% |
| Align Senior Care | $5 | 98% |
| Angela Hospice | $5 | 98% |
| Blue Care Network Advantage | $5 | 98% |
| Cca - Zing Health | $5 | 98% |
| Hospice Of Michigan | $5 | 98% |
| Medicare (plans) | $5 | 98% |
| UnitedHealthcare | $5 - $24 | 98% |
| Longevity Ipa Of Michigan Llc Health Plan Isnp | $6 | 117% |
| Molina Marketplace | $7 | 137% |
| Geha | $8 - $24 | 156% |
| Health Cost Solutions | $8 | 156% |
| Luminare Health (Detroit) | $8 | 156% |
| Meritain | $8 | 156% |
| Vitalcore | $8 | 156% |
| Wellpath | $8 | 156% |
| Priority Health | $11 - $13 | 215% |
| Wc Accident Fund | $11 | 215% |
| Wc Advantage | $11 | 215% |
| Wc Aig | $11 | 215% |
| Wc Allied | $11 | 215% |
| Wc Amerisure | $11 | 215% |
| Wc Amtrust | $11 | 215% |
| Wc Asu Risk Mgt | $11 | 215% |
| Wc Berkley Admin | $11 | 215% |
| Wc Broadspire | $11 | 215% |
| Wc Bunch & Associates | $11 | 215% |
| Wc Ccmsi | $11 | 215% |
| Wc Emc Insurance Company | $11 | 215% |
| Wc Esis | $11 | 215% |
| Wc Fcci | $11 | 215% |
| Wc Federated | $11 | 215% |
| Wc Gallagher Bassett | $11 | 215% |
| Wc Genex Care For Ohio | $11 | 215% |
| Wc Guard Insurance Company | $11 | 215% |
| Wc Hartford | $11 | 215% |
| Wc Liberty Mutual | $11 | 215% |
| Wc Meijers | $11 | 215% |
| Wc Michigan | $11 | 215% |
| Wc Mitchell Frankenmuth | $11 | 215% |
| Wc Pma | $11 | 215% |
| Wc Sedgwick | $11 | 215% |
| Wc Sentry | $11 | 215% |
| Wc Travelers | $11 | 215% |
| Wc Tristar | $11 | 215% |
| Wc Walmart | $11 | 215% |
| Wc Zurich | $11 | 215% |
| Employee Benefit Logistic | $12 | 234% |
| Acs Benefit Services | $16 | 313% |
| Allied Benefit Systems | $16 | 313% |
| Claimchoice Adminstrators | $16 | 313% |
| Consociate | $16 | 313% |
| Cypress Benefit Administrators | $16 | 313% |
| Forest County Potawatomi | $16 | 313% |
| Health Smart | $16 | 313% |
| Healthgram | $16 | 313% |
| Healthscope | $16 | 313% |
| Secureone Preferred United Plans | $16 | 313% |
| Sisco Benefits | $16 | 313% |
| The Health Plan | $16 | 313% |
| Trustmark Small Business Benefits | $16 | 313% |
| Unified Group Services | $16 | 313% |
| Webtpa | $16 | 313% |
| Asr Health Benefits | $19 | 371% |
| Caresource | $19 | 371% |
| Hap | $19 - $23 | 371% |
| Varipro | $19 | 371% |
| Health Partners | $23 | 449% |
| Tufts Health Plan | $23 | 449% |
| 1199 National Benefit Fund | $24 | 469% |
| Access Health | $24 | 469% |
| Acclaim | $24 | 469% |
| Administrative Concepts | $24 | 469% |
| Allegeant | $24 | 469% |
| Allied National Global Care | $24 | 469% |
| Ameriben | $24 | 469% |
| American Family | $24 | 469% |
| American Healthcare Alliance | $24 | 469% |
| American National | $24 | 469% |
| American Republic | $24 | 469% |
| Amerihealth | $24 | 469% |
| Asrm - Reliance Standard Life Insurance | $24 | 469% |
| Aultcare | $24 | 469% |
| Automated Benefit Services | $24 | 469% |
| Auxiant | $24 | 469% |
| Benefit Administrative Systems,Llc | $24 | 469% |
| Boon Chapman | $24 | 469% |
| Cam Administrative Services | $24 | 469% |
| Christian Brother Services | $24 | 469% |
| Christian Brothers Holy Cross | $24 | 469% |
| Christian Care Ministry | $24 | 469% |
| Cigna | $24 - $30 | 469% |
| Comprehensive Benefits | $24 | 469% |
| Continental Life Insurance | $24 | 469% |
| Custom Benefit Administrators | $24 | 469% |
| Dean Health | $24 | 469% |
| Employee Benefit Concepts | $24 | 469% |
| Employee Benefit Management | $24 | 469% |
| Enterprise Group Planning | $24 | 469% |
| Fallon Health | $24 | 469% |
| Family Life Insurance Company | $24 | 469% |
| Freedom Life Insurance Company | $24 | 469% |
| Ghc Scw | $24 | 469% |
| Group Administrators | $24 | 469% |
| Group Marketing Services | $24 | 469% |
| Group Pension Administrators | $24 | 469% |
| Guardian | $24 | 469% |
| Health America | $24 | 469% |
| Health Choices | $24 | 469% |
| Healthcare Management Admin | $24 | 469% |
| Healthez | $24 | 469% |
| Humana | $24 | 469% |
| Insight | $24 | 469% |
| Intercare | $24 | 469% |
| International Benefit Administrators | $24 | 469% |
| Jfp Benefit Management | $24 | 469% |
| Jp Farley Corporation | $24 | 469% |
| Key Benefit Administrator | $24 | 469% |
| Liberty Union Life Assurance Co | $24 | 469% |
| Lifetime Benefit Solutions | $24 | 469% |
| Lucent Health | $24 | 469% |
| Luminare Health | $24 | 469% |
| Magnacare | $24 | 469% |
| Manhattan Life | $24 | 469% |
| Medben | $24 | 469% |
| Medcost | $24 | 469% |
| Medi Share | $24 | 469% |
| Medical Mutual | $24 | 469% |
| Multiplan | $24 | 469% |
| Mutual Health Services | $24 | 469% |
| Mutual Of Omaha | $24 | 469% |
| Mvp | $24 | 469% |
| Ncas | $24 | 469% |
| Nippon Life Ins | $24 | 469% |
| Nova | $24 | 469% |
| Pai | $24 | 469% |
| Painters Union Insurance Fund | $24 | 469% |
| Pan-American Life | $24 | 469% |
| Paramount Hmo | $24 | 469% |
| Phcs | $24 | 469% |
| Physicians Mutual | $24 | 469% |
| Plumbers Local 98 Insurance Fund | $24 | 469% |
| Prairie States | $24 | 469% |
| Preferred One | $24 | 469% |
| Primary Physician Care | $24 | 469% |
| Professional Benefit Administrators | $24 | 469% |
| Siho Insurance Services | $24 | 469% |
| The Loomis Company | $24 | 469% |
| Trinity Health Share | $24 | 469% |
| Unicare | $24 | 469% |
| Us Health And Life | $24 | 469% |
| Valenz | $24 | 469% |
| Western & Southern Financial Group | $24 | 469% |
| Wps | $24 | 469% |
| First Health | $25 | 488% |
| Coventry | $30 | 586% |
| Prime Health Services | $30 | 586% |
| Three Rivers Provider Network | $34 | 664% |
| Carelon Behavioral Health | $38 | 742% |
| Cmh Detroit Wayne Integrated Health Network | $38 | 742% |
| Cmh Lenawee County | $38 | 742% |
| Cmh Livingston County | $38 | 742% |
| Cmh Misc | $38 | 742% |
| Cmh Monroe County | $38 | 742% |
| Cmh Washtenaw County | $38 | 742% |
| Magellan Behavioral Health | $38 | 742% |