CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: St Luke's Hospital - Upper Bucks Campus

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $8
Cash Discount Price: $156
vs. Medicare Baseline: 1.56x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at St Luke's Hospital - Upper Bucks Campus is $8. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $156. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 1.56x the Medicare baseline. Located in 3000 St. Luke's Drive, Quakertown, PA.

Cash / Self-Pay

$156

Average discount available for prompt cash payment at this facility.

Insurance Median

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5.12

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5.12 (100%)

Cash / Self-Pay: $156 (3047%)

Insurance Median: $8 (156%)

Cash: $156 (3047% of Medicare)

Ins. Median: $8 (156% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $5.12 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	$4 - $143	78%
Aetna	$5 - $20	98%
Geisinger	$5 - $49	98%
Highmark	$5 - $18	98%
Humana	$5	98%
Upmc Health Plan	$5 - $47	98%
Keystone First	$6	117%
UnitedHealthcare	$6 - $18	117%
Amerihealth Caritas	$8	156%
Highmark Wholecare	$8	156%
Jefferson Health Plan	$9	176%
Oscar	$45	879%
Cigna	$47	918%

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 $156.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82565.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Luke's Hospital - Upper Bucks Campus is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 82565.
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.