CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Novant Health Presbyterian Medical Center

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $35
Cash Discount Price: $32
vs. Medicare Baseline: 8.86x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Novant Health Presbyterian Medical Center is $35. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $32. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 8.86x the Medicare baseline. Located in 200 Hawthorne Lane Box 33549, Charlotte, NC.

Cash / Self-Pay

$32

Average discount available for prompt cash payment at this facility.

Insurance Median

$35

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: $32 (810%)

Insurance Median: $35 (886%)

Cash: $32 (810% of Medicare)

Ins. Median: $35 (886% 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 886% of the Medicare baseline (a markup of 786%). 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
Amerihealth	$3 - $19	76%
Blue Cross Blue Shield	$3 - $76	76%
Carolina Complete	$3 - $18	76%
Nc Department Of Public Safety	$3 - $18	76%
UnitedHealthcare	$3 - $62	76%
Wellcare	$3 - $19	76%
Aetna	$4 - $85	101%
Cigna	$4 - $55	101%
Humana	$4 - $76	101%
Liberty Health	$4	101%
Pace Of The Southern Piedmont	$4	101%
Caresource North Carolina	$6 - $35	152%
Atlantic Corporation Dba Atlantic Packaging	$8 - $49	203%
Amps	$9 - $58	228%
Plotkin Health	$10 - $64	253%
Medcost	$12 - $80	304%
Multiplan	$13 - $80	329%
Phcs	$13 - $80	329%
Primary Physician Care	$13 - $78	329%
Employers Choice Network	$16 - $103	405%
Three Rivers Provider Network	$16 - $103	405%

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 $32.
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 Novant Health Presbyterian 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.