CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: McCullough-Hyde Memorial Hospital

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $5
Cash Discount Price: $12
vs. Medicare Baseline: 1.27x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at McCullough-Hyde Memorial Hospital is $5. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $12. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 1.27x the Medicare baseline. Located in 110 North Poplar Street, Oxford, OH.

Cash / Self-Pay

$12

Average discount available for prompt cash payment at this facility.

Insurance Median

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: $12 (304%)

Insurance Median: $5 (127%)

Cash: $12 (304% of Medicare)

Ins. Median: $5 (127% 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.

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
Blue Cross Blue Shield	$3 - $5	76%
Buckeye	$4 - $6	101%
Custom Design Benefits	$4 - $10	101%
Medical Mutual Of Ohio	$4	101%
UnitedHealthcare	$4	101%
Oscar	$6	152%
Aetna	$9	228%
Imagine Health	$9	228%
Medben	$11	278%

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 $12.
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 McCullough-Hyde Memorial Hospital 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.