CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: St Francis Regional Medical Center

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $26
Cash Discount Price: $23
vs. Medicare Baseline: 6.58x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at St Francis Regional Medical Center is $26. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $23. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 6.58x the Medicare baseline. Located in 1455 St Francis Avenue, Shakopee, MN.

Cash / Self-Pay

$23

Average discount available for prompt cash payment at this facility.

Insurance Median

$26

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: $23 (582%)

Insurance Median: $26 (658%)

Cash: $23 (582% of Medicare)

Ins. Median: $26 (658% 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 658% of the Medicare baseline (a markup of 558%). 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	$4 - $86	101%
Blue Cross Blue Shield	$4 - $40	101%
Medica	$4 - $110	101%
Medicaid / KanCare	$4	101%
Medicare (plans)	$4	101%
Scha Msho (S)	$4	101%
South Country Health Alliance	$4	101%
Health Partners	$5 - $15	127%
Ucare Pmap (A B C D E G N O S U R H)	$6 - $29	152%
Medica Health System	$15 - $116	380%
Cigna	$16	405%
UnitedHealthcare	$20 - $99	506%
Americas Ppo (Araz)(B D N O R S V)	$22 - $111	557%
Medica Mhps	$22 - $110	557%
Americas Ppo (Araz) (B D N H O R S)	$24 - $121	608%
First Health (A C E G H U B D N O R S)	$24 - $121	608%
All Other Contracted Care (A B C D E G H N O R S U)	$28 - $144	709%

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 $23.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 84520.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Francis Regional Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 84520.
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.