CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Guadalupe Regional Medical Center

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $29
Cash Discount Price: $57
vs. Medicare Baseline: 7.34x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Guadalupe Regional Medical Center is $29. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $57. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 7.34x the Medicare baseline. Located in 1215 E Court St, Seguin, TX.

Cash / Self-Pay

$57

Average discount available for prompt cash payment at this facility.

Insurance Median

$29

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: $57 (1443%)

Insurance Median: $29 (734%)

Cash: $57 (1443% of Medicare)

Ins. Median: $29 (734% 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 734% of the Medicare baseline (a markup of 634%). 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
Aetna	$4 - $100	101%
Christus Exchange Health Plan	$4	101%
Mcr Clover Health	$4	101%
Mcr Texas Independence Health	$4	101%
Mcr Wellcare	$4	101%
Oscar Health Plan	$4	101%
Va Triwest Health Alliance	$4	101%
Blue Cross Blue Shield	$26 - $29	658%
Superior Hlth Plan Mmcd	$51 - $53	1291%
Healthcare Highways	$85 - $88	2152%
UnitedHealthcare	$85 - $88	2152%
Humana	$96 - $100	2430%
Cigna	$102 - $106	2582%
Texas Mutual Insurance Co	$102 - $106	2582%

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 $57.
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 Guadalupe Regional Medical Center 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.