CMS Price Transparency Data
Blood test, urea nitrogen (BUN, kidney)
Facility: St Charles Medical Center - Bend
Billing Code: 84520 (CPT)
Factual Cost Summary (Answer Capsule)
- CPT Billing Code: 84520
- Insurance Median: $10
- Cash Discount Price: $35
- vs. Medicare Baseline: 2.53x Medicare
The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at St Charles Medical Center - Bend is $10. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $35. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 2.53x the Medicare baseline. Located in 2500 Ne Neff Road, Bend, OR.
Cash / Self-Pay
$35
Average discount available for prompt cash payment at this facility.
Insurance Median
$10
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: $35 (886%)
Insurance Median: $10 (253%)
Cash: $35 (886% of Medicare)
Ins. Median: $10 (253% 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 253% of the Medicare baseline (a markup of 153%). 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.
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Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Advanced Health [534] | $3 | 76% |
| Allcare Health Plan [538] | $3 | 76% |
| Cascade Health Alliance [532] | $3 | 76% |
| Columbia Pacific Coordinated Care Llc [539] | $3 | 76% |
| Health Share Care Oregon [526] | $3 | 76% |
| Health Share Kaiser [543] | $3 | 76% |
| Health Share Ohsu Ohp [552] | $3 | 76% |
| Health Share Providence [548] | $3 | 76% |
| Health Share Tuality [549] | $3 | 76% |
| Health Share [537] | $3 | 76% |
| Intercommunity Health [530] | $3 | 76% |
| Jackson Care Connect [542] | $3 | 76% |
| Medicaid / KanCare | $3 | 76% |
| Pacificsource Community Solutions [525] | $3 - $4 | 76% |
| Primary Health Of Jospehine County Llc [547] | $3 | 76% |
| Tricare | $3 | 76% |
| Umpqua Health [533] | $3 | 76% |
| Willamette Valley Community Health [536] | $3 | 76% |
| Yamhill County Coordinated Care Org [550] | $3 | 76% |
| Aetna | $4 - $38 | 101% |
| Ageright Advantage [142] | $4 | 101% |
| Asuris Northwest Health [202] | $4 | 101% |
| Blue Cross Blue Shield | $4 | 101% |
| Bridgespan [342] | $4 | 101% |
| Champ Va [700] | $4 | 101% |
| Cigna | $4 - $28 | 101% |
| Devoted Health Inc [145] | $4 | 101% |
| Generic Workers Comp [699] | $4 - $15 | 101% |
| Health Market Care Assured [134] | $4 | 101% |
| Health Net Med Adv [135] | $4 | 101% |
| Healthcare Management Admin [201] | $4 | 101% |
| Home Health And Hospice [361] | $4 | 101% |
| Humana | $4 | 101% |
| Indian Health [704] | $4 | 101% |
| Kaiser Permanente Med Adv [136] | $4 | 101% |
| Law Enforcement [701] | $4 - $22 | 101% |
| Medicare (plans) | $4 - $5 | 101% |
| Otj Broadspire Services [670] | $4 - $15 | 101% |
| Otj Ccmsi [618] | $4 - $15 | 101% |
| Otj Chartis Claims [650] | $4 - $15 | 101% |
| Otj City County Ins Services [662] | $4 - $15 | 101% |
| Otj Corvel [676] | $4 - $15 | 101% |
| Otj Esis West Wc Claims [653] | $4 - $15 | 101% |
| Otj Gallagher Bassett [654] | $4 - $15 | 101% |
| Otj Hartford [655] | $4 - $15 | 101% |
| Otj Intermountain Claims Inc [666] | $4 - $15 | 101% |
| Otj Liberty Mutual Wausau Underwriters [671] | $4 - $15 | 101% |
| Otj Penser No American [663] | $4 - $15 | 101% |
| Otj Pinnacle Risk Mgmt [661] | $4 - $15 | 101% |
| Otj Saif [659] | $4 - $15 | 101% |
| Otj Saif [667] | $4 - $15 | 101% |
| Otj Sedgwick Cms [660] | $4 - $15 | 101% |
| Otj Sedgwick [668] | $4 - $15 | 101% |
| Otj Travelers Insurance [672] | $4 - $15 | 101% |
| Otj Tristar [673] | $4 - $15 | 101% |
| Regence Group Administrators [203] | $4 | 101% |
| Samaritan Health Plan Med Adv [141] | $4 | 101% |
| Unicare [133] | $4 | 101% |
| UnitedHealthcare | $4 - $40 | 101% |
| Veterans [706] | $4 | 101% |
| Wellcare [132] | $4 | 101% |
| Otj Dept Of Labor Federal Emp [652] | $5 | 127% |
| Otj Us Department Of Labor [669] | $5 | 127% |
| Pacificsource [345] | $5 - $24 | 127% |
| Kaiser Permanente [334] | $7 - $38 | 177% |
| Us Benefits [326] | $7 - $28 | 177% |
| Moda [310] | $8 - $38 | 203% |
| Providence Health Plan [347] | $8 - $38 | 203% |
| First Choice Health [317] | $10 - $38 | 253% |
| Meritain Health [300] | $10 - $38 | 253% |
| Rocky Mountain Administrators [405] | $10 - $35 | 253% |
| Rx Internal [4100003] | $10 - $36 | 253% |
| Samaritan [376] | $10 - $38 | 253% |
| Auto Allstate Insurance [602] | $11 - $39 | 278% |
| Auto American Family Insurance [603] | $11 - $39 | 278% |
| Auto Country Insurance Claims [604] | $11 - $39 | 278% |
| Auto Dairyland Insurance [617] | $11 - $39 | 278% |
| Auto Farmers [605] | $11 - $39 | 278% |
| Auto Geico Claims Oregon [606] | $11 - $39 | 278% |
| Auto Hartford [612] | $11 - $39 | 278% |
| Auto Liberty Mutual Auto Ins [613] | $11 - $39 | 278% |
| Auto Mutual Of Enumclaw [610] | $11 - $39 | 278% |
| Auto Nationwide Allied Insuranc [601] | $11 - $39 | 278% |
| Auto Oregon Mutual [614] | $11 - $39 | 278% |
| Auto Progressive [608] | $11 - $39 | 278% |
| Auto Safeco Concentra [600] | $11 - $39 | 278% |
| Auto State Farm Claims [609] | $11 - $39 | 278% |
| Auto Sublimity Insurance [616] | $11 - $39 | 278% |
| Auto Travelers Insurance [615] | $11 - $39 | 278% |
| Auto Usaa [611] | $11 - $39 | 278% |
| Generic Auto [649] | $11 - $39 | 278% |
| Health Net [340] | $11 - $41 | 278% |
| Administrative Concepts Inc [402] | $12 - $43 | 304% |
| First Health [339] | $12 - $43 | 304% |
| Manhattan Life Insurance Company [379] | $12 - $43 | 304% |
| Philadelphia American Life Insurance Company [395] | $12 - $43 | 304% |
| Planned Administrators Inc [375] | $12 - $43 | 304% |