CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: Atrium Health Union

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $43
Cash Discount Price: $53
vs. Medicare Baseline: 8.40x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at Atrium Health Union is $43. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $53. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 8.40x the Medicare baseline. Located in 600 Hospital Dr, Monroe, NC.

Cash / Self-Pay

$53

Average discount available for prompt cash payment at this facility.

Insurance Median

$43

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5.12

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5.12 (100%)

Cash / Self-Pay: $53 (1035%)

Insurance Median: $43 (840%)

Cash: $53 (1035% of Medicare)

Ins. Median: $43 (840% of 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 840% of the Medicare baseline (a markup of 740%). 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	$5 - $65	98%
Cigna	$5 - $72	98%
Humana	$5	98%
UnitedHealthcare	$5 - $50	98%
Alliance	$6 - $16	117%
Amerihealth Caritas	$6 - $14	117%
Blue Cross Blue Shield	$6 - $40	117%
Carolina Complete Health	$6 - $14	117%
Healthy Blue	$6 - $14	117%
Ortho Carolina	$6	117%
Partners	$6 - $14	117%
Trillium	$6 - $15	117%
Vaya	$6 - $14	117%
Wellcare	$6 - $14	117%
Choicecare	$7 - $91	137%
Ambetter / Centene	$32 - $39	625%
Employers Health Network	$47 - $56	918%
Medcost	$58 - $69	1133%
Magellan	$64	1250%
Gmmi	$69	1348%
Quik Trip	$69	1348%
Healthgram	$85	1660%
First Health	$91	1777%
Beechstreet	$96	1875%
Private Health Care Systems	$96	1875%
Provider Select	$96	1875%
Multiplan	$101	1973%

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 $53.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82565.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Atrium Health Union is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 82565.
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.