Blood test, creatinine (kidney)
Facility: Charlevoix Area Hospital
Billing Code: 82565 (CPT)
- CPT Billing Code: 82565
- Insurance Median: $39
- Cash Discount Price: $40
- vs. Medicare Baseline: 7.62x 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 $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 762% of the Medicare baseline (a markup of 662%). 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 | $1 - $45 | 20% |
| Mclaren Health Plan | $4 - $46 | 78% |
| Meridian | $4 | 78% |
| Priority Health | $4 - $49 | 78% |
| UnitedHealthcare | $4 - $43 | 78% |
| Cigna | $5 - $49 | 98% |
| Provider Network Of America/Hma Group Health | $7 - $42 | 137% |
| Hap (Health Alliance Plan) | $8 - $39 | 156% |
| Aetna | $22 - $44 | 430% |
| Blue Care Network | $22 - $23 | 430% |
| Medicare (plans) | $22 - $23 | 430% |
| Michigan Amish Medical Board | $22 - $23 | 430% |
| Northern Michigan Mennonite Group | $22 - $23 | 430% |
| Molina | $23 - $25 | 449% |
| Hospice Of Michigan | $28 - $29 | 547% |
| Asr Physicians Care Network | $37 - $39 | 723% |
| Employee Benefits Logistics | $37 - $39 | 723% |
| Enterprise Group Planning Employee Benefit Plan | $37 - $39 | 723% |
| First Health/Coventry Health/Community Care Network | $37 - $39 | 723% |
| Medical Cost Savings Solution | $37 - $39 | 723% |
| Three Rivers Provider Network | $39 - $42 | 762% |
| Iba Health And Life Assurance Company | $42 - $45 | 820% |
| Cofinity | $43 - $46 | 840% |
| Nomi Health | $43 - $46 | 840% |
| Preferred Medical Claim Solutions | $44 - $47 | 859% |