CMS Price Transparency Data
Blood test, urea nitrogen (BUN, kidney)
Facility: Mercy Health Saint Mary's
Billing Code: 84520 (CPT)
Factual Cost Summary (Answer Capsule)
- CPT Billing Code: 84520
- Insurance Median: $28
- Cash Discount Price: $25
- vs. Medicare Baseline: 7.09x Medicare
The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Mercy Health Saint Mary's is $28. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $25. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 7.09x the Medicare baseline. Located in 200 Jefferson Avenue Se, Grand Rapids, MI.
Cash / Self-Pay
$25
Average discount available for prompt cash payment at this facility.
Insurance Median
$28
Median negotiated contract rate across all mapped commercial carriers.
Medicare Reference Rate
$3.95
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. Medicare
Medicare Reference Baseline: $3.95 (100%)
Cash / Self-Pay: $25 (633%)
Insurance Median: $28 (709%)
Cash: $25 (633% of Medicare)
Ins. Median: $28 (709% of 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 709% of the Medicare baseline (a markup of 609%). 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 |
|---|---|---|
| Blue Cross Blue Shield | $2 - $4 | 51% |
| Medicaid / KanCare | $2 | 51% |
| U Of M Health Plan | $2 - $30 | 51% |
| Access Health | $3 | 76% |
| Aetna | $4 - $17 | 101% |
| Align Senior Care | $4 | 101% |
| Blue Care Network Advantage | $4 | 101% |
| Correctional Recovery | $4 | 101% |
| Hospice Faith | $4 | 101% |
| Hospice Of Holland | $4 | 101% |
| Longevity Ipa Of Michigan Llc Health Plan Isnp | $4 | 101% |
| Medicare (plans) | $4 | 101% |
| Oscar | $4 | 101% |
| UnitedHealthcare | $4 - $39 | 101% |
| Molina Marketplace | $5 | 127% |
| Geha | $6 - $30 | 152% |
| Medical Mutual | $6 | 152% |
| Meritain | $6 | 152% |
| Preferred One | $6 | 152% |
| Vitalcore | $6 | 152% |
| Wellpath | $6 | 152% |
| Wc Accident Fund | $21 | 532% |
| Wc Advantage | $21 | 532% |
| Wc Aig | $21 | 532% |
| Wc Allied | $21 | 532% |
| Wc Amerisure | $21 | 532% |
| Wc Amtrust | $21 | 532% |
| Wc Asu Risk Mgt | $21 | 532% |
| Wc Berkley Admin | $21 | 532% |
| Wc Broadspire | $21 | 532% |
| Wc Bunch & Associates | $21 | 532% |
| Wc Ccmsi | $21 | 532% |
| Wc Emc Insurance Company | $21 | 532% |
| Wc Esis | $21 | 532% |
| Wc Fcci | $21 | 532% |
| Wc Federated | $21 | 532% |
| Wc Gallagher Bassett | $21 | 532% |
| Wc Genex Care For Ohio | $21 | 532% |
| Wc Guard Insurance Company | $21 | 532% |
| Wc Hartford | $21 | 532% |
| Wc Liberty Mutual | $21 | 532% |
| Wc Meijers | $21 | 532% |
| Wc Michigan | $21 | 532% |
| Wc Mitchell Frankenmuth | $21 | 532% |
| Wc Pma | $21 | 532% |
| Wc Sedgwick | $21 | 532% |
| Wc Sentry | $21 | 532% |
| Wc Travelers | $21 | 532% |
| Wc Tristar | $21 | 532% |
| Wc Walmart | $21 | 532% |
| Wc Zurich | $21 | 532% |
| Acs Benefit Services | $22 | 557% |
| Allied Benefit Systems | $22 | 557% |
| Claimchoice Adminstrators | $22 | 557% |
| Consociate | $22 | 557% |
| Cypress Benefit Administrators | $22 | 557% |
| Forest County Potawatomi | $22 | 557% |
| Health Smart | $22 | 557% |
| Healthgram | $22 | 557% |
| Healthscope | $22 | 557% |
| Nomi Health | $22 | 557% |
| Secureone Preferred United Plans | $22 | 557% |
| Sisco Benefits | $22 | 557% |
| The Health Plan | $22 | 557% |
| Trustmark Small Business Benefits | $22 | 557% |
| Unified Group Services | $22 | 557% |
| Webtpa | $22 | 557% |
| Priority Health | $23 | 582% |
| Asr Health Benefits | $25 | 633% |
| Caresource | $25 | 633% |
| Hap | $25 - $30 | 633% |
| Varipro | $25 | 633% |
| 1199 National Benefit Fund | $28 | 709% |
| Allied National Global Care | $28 | 709% |
| Asrm - Reliance Standard Life Insurance | $28 | 709% |
| Christian Care Ministry | $28 | 709% |
| Cigna | $28 | 709% |
| Dean Health | $28 | 709% |
| Fallon Health | $28 | 709% |
| Family Life Insurance Company | $28 | 709% |
| Ghc Scw | $28 | 709% |
| Group Pension Administrators | $28 | 709% |
| International Benefit Administrators | $28 | 709% |
| Lifetime Benefit Solutions | $28 | 709% |
| Manhattan Life | $28 | 709% |
| Medi Share | $28 | 709% |
| Multiplan | $28 | 709% |
| Mvp | $28 | 709% |
| Pai | $28 | 709% |
| Pan-American Life | $28 | 709% |
| Paramount Hmo | $28 | 709% |
| Phcs | $28 | 709% |
| Trinity Health Share | $28 | 709% |
| Acclaim | $30 | 759% |
| Administrative Concepts | $30 | 759% |
| Allegeant | $30 | 759% |
| Ameriben | $30 | 759% |
| American Family | $30 | 759% |
| American Healthcare Alliance | $30 | 759% |
| American Republic | $30 | 759% |
| Amerihealth | $30 | 759% |
| Aultcare | $30 | 759% |
| Automated Benefit Services | $30 | 759% |
| Auxiant | $30 | 759% |
| Benefit Administrative Systems,Llc | $30 | 759% |
| Boon Chapman | $30 | 759% |
| Cam Administrative Services | $30 | 759% |
| Christian Brother Services | $30 | 759% |
| Christian Brothers Holy Cross | $30 | 759% |
| Comprehensive Benefits | $30 | 759% |
| Continental Life Insurance | $30 | 759% |
| Custom Benefit Administrators | $30 | 759% |
| Employee Benefit Concepts | $30 | 759% |
| Employee Benefit Management | $30 | 759% |
| Enterprise Group Planning | $30 | 759% |
| Freedom Life Insurance Company | $30 | 759% |
| Group Administrators | $30 | 759% |
| Group Marketing Services | $30 | 759% |
| Guardian | $30 | 759% |
| Health America | $30 | 759% |
| Health Choices | $30 | 759% |
| Healthez | $30 | 759% |
| Humana | $30 - $39 | 759% |
| Insight | $30 | 759% |
| Intercare | $30 | 759% |
| Jfp Benefit Management | $30 | 759% |
| Jp Farley Corporation | $30 | 759% |
| Key Benefit Administrator | $30 | 759% |
| Liberty Union Life Assurance Co | $30 | 759% |
| Lucent Health | $30 | 759% |
| Luminare Health | $30 | 759% |
| Luminare Health (Detroit) | $30 | 759% |
| Medben | $30 | 759% |
| Medcost | $30 | 759% |
| Mutual Health Services | $30 | 759% |
| Mutual Of Omaha | $30 | 759% |
| Ncas | $30 | 759% |
| Nippon Life Ins | $30 | 759% |
| Nova | $30 | 759% |
| Painters Union Insurance Fund | $30 | 759% |
| Physicians Mutual | $30 | 759% |
| Plumbers Local 98 Insurance Fund | $30 | 759% |
| Prairie States | $30 | 759% |
| Primary Physician Care | $30 | 759% |
| Professional Benefit Administrators | $30 | 759% |
| The Loomis Company | $30 | 759% |
| Unicare | $30 | 759% |
| Us Health And Life | $30 | 759% |
| Valenz | $30 | 759% |
| Western & Southern Financial Group | $30 | 759% |
| Wps | $30 | 759% |
| Coventry | $31 | 785% |
| First Health | $31 | 785% |
| Cmh Allegan County | $39 | 987% |
| Cmh Ausable Valley | $39 | 987% |
| Cmh Barry County | $39 | 987% |
| Cmh Berrien County | $39 | 987% |
| Cmh Cass County | $39 | 987% |
| Cmh Clinton-Eaton-Ingham County | $39 | 987% |
| Cmh Kalamazoo | $39 | 987% |
| Cmh Kent County | $39 | 987% |
| Cmh Lenawee County | $39 | 987% |
| Cmh Misc | $39 | 987% |
| Cmh Monroe County | $39 | 987% |
| Cmh Montcalm County | $39 | 987% |
| Cmh Muskegon County | $39 | 987% |
| Cmh Newaygo County | $39 | 987% |
| Cmh North Country | $39 | 987% |
| Cmh Northern Lakes County | $39 | 987% |
| Cmh Ottawa County | $39 | 987% |
| Cmh Van Buren County | $39 | 987% |
| Cmh West Mi County | $39 | 987% |
| Magellan Behavioral Health | $39 | 987% |