CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Arnot Ogden Medical Center

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $47
Cash Discount Price: $65
vs. Medicare Baseline: 11.90x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Arnot Ogden Medical Center is $47. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $65. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 11.90x the Medicare baseline. Located in 600 Roe Avenue, Elmira, NY.

Cash / Self-Pay

$65

Average discount available for prompt cash payment at this facility.

Insurance Median

$47

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: $65 (1646%)

Insurance Median: $47 (1190%)

Cash: $65 (1646% of Medicare)

Ins. Median: $47 (1190% 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 1190% of the Medicare baseline (a markup of 1090%). 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
Empire	$2	51%
Aetna	$4 - $80	101%
Amerihealth Mcr Adv - All Plans	$4	101%
Blue Cross Blue Shield	$4 - $316	101%
Fidelis	$4 - $8	101%
Geisinger	$4 - $64	101%
Humana	$4 - $98	101%
Tricare	$4	101%
Amerihealth	$5	127%
UnitedHealthcare	$7 - $109	177%
Icircle	$8	203%
Fidelis Care-Exchange - All Plans	$36 - $57	911%
Geisinger - All Plans	$38 - $61	962%
Cigna	$41 - $65	1038%
Mvp Health Plan - All Plans	$41 - $65	1038%
Independent Health - All Plans	$42 - $68	1063%
Upmc Health Plan - All Plans	$45 - $72	1139%
Pomco Inc - All Plans	$47 - $75	1190%
Emblem Health - All Plans	$57 - $92	1443%
Martins Point Mcr Adv - All Plans	$65 - $104	1646%
Emblem/Ghi	$96	2430%
Healthnow - All Plans	$196 - $314	4962%

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 $65.
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 Arnot Ogden 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.