Blood test, urea nitrogen (BUN, kidney)
Facility: St Peter's Hospital
Billing Code: 84520 (CPT)
- CPT Billing Code: 84520
- Insurance Median: $13
- Cash Discount Price: $52
- vs. Medicare Baseline: 3.29x 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 $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 329% of the Medicare baseline (a markup of 229%). 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 |
|---|---|---|
| Aetna | $4 - $13 | 101% |
| Albany County Correctional Facility | $4 | 101% |
| Blue Cross Blue Shield | $4 - $18 | 101% |
| Eddy Seniorcare Pace | $4 | 101% |
| Hudson Headwaters Pace | $4 | 101% |
| Medicaid / KanCare | $4 - $80 | 101% |
| Medicare (plans) | $4 - $80 | 101% |
| Mvp | $4 | 101% |
| Nascentia Health Options | $4 | 101% |
| Nascentia Health Plus | $4 | 101% |
| Secure Horizons Ma Pffs | $4 | 101% |
| UnitedHealthcare | $4 - $80 | 101% |
| Fidelis Care | $7 | 177% |
| Wellpath | $9 | 228% |
| Bcn Domestic | $10 | 253% |
| Blue Care Network | $10 | 253% |
| Harvard Pilgrim Healthcare | $10 | 253% |
| Unicare | $10 | 253% |
| 1199 National Benefit Fund | $13 | 329% |
| Allied Benefit Systems | $13 | 329% |
| Asr Health Benefits | $13 | 329% |
| Christian Brother Services | $13 | 329% |
| Geha | $13 | 329% |
| Lucent Health | $13 | 329% |
| Luminare Health | $13 | 329% |
| Medical Mutual | $13 | 329% |
| Meritain | $13 | 329% |
| Trustmark Small Business Benefits | $13 | 329% |
| Blue Shield - Ny Highmark Northeastern | $14 - $18 | 354% |
| Blue Shield - Ca | $18 | 456% |
| Blue Shield - Id (Regence) | $18 | 456% |
| Blue Shield - Ny Highmark Western | $18 | 456% |
| Blue Shield - Pa (Highmark) | $18 | 456% |
| Blue Shield - Wa (Regence) | $18 | 456% |
| Allegiance | $36 | 911% |
| American Postal Workers Secondary | $36 | 911% |
| Cigna | $36 | 911% |
| Diversified Administrators | $36 | 911% |
| Health Partners | $36 | 911% |
| Priority Health | $36 | 911% |
| Tufts Health Plan | $36 | 911% |
| Webtpa | $36 | 911% |
| Emblem Health | $40 | 1013% |
| Nova | $40 | 1013% |
| Carelon Behavioral Health | $60 | 1519% |
| Galaxy Health Network | $64 | 1620% |
| Health Republic | $68 | 1722% |
| Independent Health | $68 | 1722% |
| Magnacare | $68 | 1722% |
| Health New England | $72 | 1823% |
| Multiplan | $72 | 1823% |
| Phcs | $72 | 1823% |