CMS Price Transparency Data
Blood test, urea nitrogen (BUN, kidney)
Facility: Mercy Health Lakeshore Campus
Billing Code: 84520 (CPT)
Factual Cost Summary (Answer Capsule)
- CPT Billing Code: 84520
- Insurance Median: $34
- Cash Discount Price: $25
- vs. Medicare Baseline: 8.61x Medicare
The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Mercy Health Lakeshore Campus is $34. 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 8.61x the Medicare baseline. Located in 72 South State Street, Shelby, MI.
Cash / Self-Pay
$25
Average discount available for prompt cash payment at this facility.
Insurance Median
$34
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: $34 (861%)
Cash: $25 (633% of Medicare)
Ins. Median: $34 (861% 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 861% of the Medicare baseline (a markup of 761%). 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 - $35 | 51% |
| Blue Cross Blue Shield | $3 - $33 | 76% |
| Medicaid / KanCare | $3 | 76% |
| Blue Care Network Advantage | $4 | 101% |
| Medicare (plans) | $4 - $10 | 101% |
| Wellpath | $6 | 152% |
| Access Health | $7 | 177% |
| Aetna | $10 - $31 | 253% |
| Align Senior Care | $10 | 253% |
| Correctional Recovery | $10 | 253% |
| Longevity Ipa Of Michigan Llc Health Plan Isnp | $11 | 278% |
| Oscar | $12 | 304% |
| Vitalcore | $13 | 329% |
| UnitedHealthcare | $14 - $35 | 354% |
| Molina Marketplace | $16 | 405% |
| Hospice Of Michigan | $21 | 532% |
| Nomi Health | $22 | 557% |
| Hap | $29 - $36 | 734% |
| Geha | $31 - $35 | 785% |
| Meritain | $31 | 785% |
| Wc Accident Fund | $31 | 785% |
| Wc Advantage | $31 | 785% |
| Wc Aig | $31 | 785% |
| Wc Allied | $31 | 785% |
| Wc Amerisure | $31 | 785% |
| Wc Amtrust | $31 | 785% |
| Wc Asu Risk Mgt | $31 | 785% |
| Wc Berkley Admin | $31 | 785% |
| Wc Broadspire | $31 | 785% |
| Wc Bunch & Associates | $31 | 785% |
| Wc Ccmsi | $31 | 785% |
| Wc Emc Insurance Company | $31 | 785% |
| Wc Esis | $31 | 785% |
| Wc Fcci | $31 | 785% |
| Wc Federated | $31 | 785% |
| Wc Gallagher Bassett | $31 | 785% |
| Wc Genex Care For Ohio | $31 | 785% |
| Wc Guard Insurance Company | $31 | 785% |
| Wc Hartford | $31 | 785% |
| Wc Liberty Mutual | $31 | 785% |
| Wc Meijers | $31 | 785% |
| Wc Michigan | $31 | 785% |
| Wc Mitchell Frankenmuth | $31 | 785% |
| Wc Pma | $31 | 785% |
| Wc Sedgwick | $31 | 785% |
| Wc Sentry | $31 | 785% |
| Wc Travelers | $31 | 785% |
| Wc Tristar | $31 | 785% |
| Wc Walmart | $31 | 785% |
| Wc Zurich | $31 | 785% |
| Asr Health Benefits | $32 | 810% |
| Bcn Domestic | $33 | 835% |
| Blue Benefit Administrators Of Massachusetts | $33 | 835% |
| Blue Care Network | $33 | 835% |
| Blue Distinction Transplant | $33 | 835% |
| Blue Shield - Ca | $33 | 835% |
| Blue Shield - Id (Regence) | $33 | 835% |
| Blue Shield - Ny Highmark Northeastern | $33 | 835% |
| Blue Shield - Ny Highmark Western | $33 | 835% |
| Blue Shield - Pa (Highmark) | $33 | 835% |
| Blue Shield - Wa (Regence) | $33 | 835% |
| Health Choices | $33 - $35 | 835% |
| Kaiser Domestic | $33 | 835% |
| 1199 National Benefit Fund | $34 | 861% |
| Allied National Global Care | $34 | 861% |
| Asrm - Reliance Standard Life Insurance | $34 | 861% |
| Christian Care Ministry | $34 | 861% |
| Cigna | $34 | 861% |
| Dean Health | $34 | 861% |
| Fallon Health | $34 | 861% |
| Family Life Insurance Company | $34 | 861% |
| Ghc Scw | $34 | 861% |
| Group Pension Administrators | $34 | 861% |
| International Benefit Administrators | $34 | 861% |
| Lifetime Benefit Solutions | $34 | 861% |
| Manhattan Life | $34 | 861% |
| Medi Share | $34 | 861% |
| Multiplan | $34 | 861% |
| Mvp | $34 | 861% |
| Pai | $34 | 861% |
| Pan-American Life | $34 | 861% |
| Paramount Hmo | $34 | 861% |
| Phcs | $34 | 861% |
| Trinity Health Share | $34 | 861% |
| Acclaim | $35 | 886% |
| Administrative Concepts | $35 | 886% |
| Allegeant | $35 | 886% |
| Allied Benefit Systems | $35 | 886% |
| Ameriben | $35 | 886% |
| American Family | $35 | 886% |
| American Healthcare Alliance | $35 | 886% |
| American Republic | $35 | 886% |
| Amerihealth | $35 | 886% |
| Aultcare | $35 | 886% |
| Automated Benefit Services | $35 | 886% |
| Auxiant | $35 | 886% |
| Benefit Administrative Systems,Llc | $35 | 886% |
| Boon Chapman | $35 | 886% |
| Cam Administrative Services | $35 | 886% |
| Caresource | $35 | 886% |
| Christian Brother Services | $35 | 886% |
| Christian Brothers Holy Cross | $35 | 886% |
| Claimchoice Adminstrators | $35 | 886% |
| Comprehensive Benefits | $35 | 886% |
| Consociate | $35 | 886% |
| Continental Life Insurance | $35 | 886% |
| Custom Benefit Administrators | $35 | 886% |
| Cypress Benefit Administrators | $35 | 886% |
| Employee Benefit Concepts | $35 | 886% |
| Employee Benefit Management | $35 | 886% |
| Enterprise Group Planning | $35 | 886% |
| First Health | $35 | 886% |
| Forest County Potawatomi | $35 | 886% |
| Freedom Life Insurance Company | $35 | 886% |
| Group Administrators | $35 | 886% |
| Group Marketing Services | $35 | 886% |
| Guardian | $35 | 886% |
| Health America | $35 | 886% |
| Health Smart | $35 | 886% |
| Healthez | $35 | 886% |
| Healthgram | $35 | 886% |
| Healthscope | $35 | 886% |
| Humana | $35 | 886% |
| Insight | $35 | 886% |
| Intercare | $35 | 886% |
| Jfp Benefit Management | $35 | 886% |
| Jp Farley Corporation | $35 | 886% |
| Key Benefit Administrator | $35 | 886% |
| Liberty Union Life Assurance Co | $35 | 886% |
| Lucent Health | $35 | 886% |
| Luminare Health | $35 | 886% |
| Luminare Health (Detroit) | $35 | 886% |
| Medben | $35 | 886% |
| Medcost | $35 | 886% |
| Medical Mutual | $35 | 886% |
| Mutual Health Services | $35 | 886% |
| Mutual Of Omaha | $35 | 886% |
| Ncas | $35 | 886% |
| Nippon Life Ins | $35 | 886% |
| Nova | $35 | 886% |
| Painters Union Insurance Fund | $35 | 886% |
| Physicians Mutual | $35 | 886% |
| Plumbers Local 98 Insurance Fund | $35 | 886% |
| Prairie States | $35 | 886% |
| Primary Physician Care | $35 | 886% |
| Priority Health | $35 | 886% |
| Professional Benefit Administrators | $35 | 886% |
| Secureone Preferred United Plans | $35 | 886% |
| The Loomis Company | $35 | 886% |
| Trustmark Small Business Benefits | $35 | 886% |
| Unicare | $35 | 886% |
| Unified Group Services | $35 | 886% |
| Us Health And Life | $35 | 886% |
| Valenz | $35 | 886% |
| Varipro | $35 - $36 | 886% |
| Western & Southern Financial Group | $35 | 886% |
| Wps | $35 | 886% |