CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Seiling Municipal Hospital

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $35
Cash Discount Price: $18
vs. Medicare Baseline: 8.86x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Seiling Municipal Hospital is $35. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $18. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 8.86x the Medicare baseline. Located in 809 Ne Highway 60, Seiling, OK.

Cash / Self-Pay

$18

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: $18 (456%)

Insurance Median: $35 (886%)

Cash: $18 (456% 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
UnitedHealthcare	$2 - $18	51%
Healthchoice Ip/Op Only - All Plans	$7	177%
Aetna	$18 - $43	456%
Blue Cross Blue Shield	$18 - $37	456%
Wellcare Mcr Adv - All Plans	$18	456%
Humana	$19 - $43	481%
Coventry Comm - All Plans	$30	759%
Cigna	$34	861%
Multiplan Ip/Op Only - All Plans	$34	861%
Ambetter / Centene	$36	911%
Community Choice Ppo Ip/Op Only - All Plans	$37	937%
Preferred Comm Ip/Op Only - All Plans	$37	937%
Soonerselect Mcaid - All Plans	$43	1089%

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 $18.
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 Seiling Municipal 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.