Blood test, urea nitrogen (BUN, kidney)
Facility: Penn Presbyterian Medical Center
Billing Code: 84520 (CPT)
- CPT Billing Code: 84520
- Insurance Median: $59
- Cash Discount Price: $185
- vs. Medicare Baseline: 14.94x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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 1494% of the Medicare baseline (a markup of 1394%). 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.
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 | $2 - $185 | 51% |
| Cigna | $2 - $59 | 51% |
| Ibc Commercial Hpn | $2 | 51% |
| Keystone Hmo Proactive | $2 | 51% |
| Aetna | $4 - $185 | 101% |
| Clover Health Plan | $4 | 101% |
| Geisinger Health Plan | $4 - $13 | 101% |
| Health Partners | $4 - $185 | 101% |
| Humana | $4 - $148 | 101% |
| Ibc | $4 | 101% |
| Keystone First | $4 | 101% |
| Medicare (plans) | $4 | 101% |
| Pa Health And Wellness | $4 - $7 | 101% |
| Penn Life (Living Independently For Elders) | $4 | 101% |
| Philadelphia Va Medical Center | $4 | 101% |
| Tricare | $4 | 101% |
| UnitedHealthcare | $4 - $185 | 101% |
| Upmc | $4 - $185 | 101% |
| Us Family Health Plan | $4 | 101% |
| Gateway Health Plan | $5 | 127% |
| Medicaid / KanCare | $5 - $185 | 127% |
| Pa Medical Assistance | $5 | 127% |
| Claims Watcher | $6 - $7 | 152% |
| Elap | $6 | 152% |
| Centivo | $7 | 177% |
| Elap Services | $7 | 177% |
| Keystone Mercy Health Plan | $7 - $185 | 177% |
| Oscar Health Plan | $7 | 177% |
| Highmark | $8 | 203% |
| Penn Global Medicine | $10 | 253% |
| Horizon Nj Health | $31 - $33 | 785% |
| Pgm - Regie De L'Assurance Maladie Quebec | $43 | 1089% |
| Preferred Health Care Eliance | $46 | 1165% |
| Pgm - Kuwait Defense | $65 - $83 | 1646% |
| Devon | $70 - $83 | 1772% |
| Qualcare | $70 | 1772% |
| Coventry | $74 - $94 | 1873% |
| Pgm - Chop | $74 | 1873% |
| Wissahickon Hospice | $74 | 1873% |
| Healthamerica/Coventry | $83 - $91 | 2101% |
| Olympus | $88 | 2228% |
| First Health Global | $92 | 2329% |
| Urn-Cancer Resource Services | $92 | 2329% |
| Health Net | $111 | 2810% |
| Pgm - Royal Embassy Of Saudi Arabia | $111 | 2810% |
| Pgm - Embassy Of Qatar | $120 | 3038% |
| Pgm - Ontario Ministry Of Health And Long-Term Care (Ohip) | $120 | 3038% |
| Pgm - Embassy Of The United Emirates/Ipc | $130 | 3291% |
| Devon Health Services Inc | $148 | 3747% |
| Health America/Ccn | $148 | 3747% |
| Intergroup | $148 | 3747% |
| Pgm - Kuwait Health Division | $148 | 3747% |
| Pgm - Kuwait Oil | $148 | 3747% |
| Preferred Care | $148 | 3747% |
| Commercial Other | $185 | 4684% |
| International Pfs | $185 | 4684% |
| Magellan | $185 | 4684% |
| Quest Behavioral Health | $185 | 4684% |
| United Behavioral Health | $185 | 4684% |
| Workers Compensation | $185 | 4684% |