Blood test, urea nitrogen (BUN, kidney)
Facility: St David's Medical Center
Billing Code: 84520 (CPT)
- CPT Billing Code: 84520
- Insurance Median: $36
- Cash Discount Price: $306
- vs. Medicare Baseline: 9.11x 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 911% of the Medicare baseline (a markup of 811%). 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 | $3 - $98 | 76% |
| St David’S Hospice | $3 - $4 | 76% |
| United | $3 - $138 | 76% |
| Aetna | $4 | 101% |
| American Health Plan Of Texas | $4 | 101% |
| Cigna | $4 - $11 | 101% |
| Devoted Health | $4 | 101% |
| Humana | $4 | 101% |
| Imperial Insurance | $4 | 101% |
| Molina Healthcare | $4 | 101% |
| Odyssey Hospice | $4 | 101% |
| Provider Partners Health Plan | $4 | 101% |
| Pyramid Life | $4 | 101% |
| Sendero | $4 - $7 | 101% |
| Shared Health | $4 | 101% |
| Superior Health Plan | $4 - $52 | 101% |
| Texas Independent Health Plan | $4 | 101% |
| Triwest Health Alliance | $4 | 101% |
| Triwest Healthcare Alliance | $4 | 101% |
| Triwest Veterans | $4 | 101% |
| Wellcare | $4 | 101% |
| Wellmed | $4 | 101% |
| Amerigroup | $5 | 127% |
| Austin Fc | $5 | 127% |
| Universal Health | $5 | 127% |
| Naphcare | $6 | 152% |
| Seven Corners | $6 | 152% |
| Corvel Corporation | $8 | 203% |
| Oscar | $11 - $12 | 278% |
| Moda | $72 | 1823% |
| Covenant Management Systems | $88 | 2228% |
| Healthcare Highways | $89 - $92 | 2253% |
| Imo Med - Select Network | $92 | 2329% |
| Nomi Health | $98 - $113 | 2481% |
| Moda Health | $110 - $113 | 2785% |
| Evry Health | $112 - $113 | 2835% |
| Texas Healthcare Foundation Heb | $113 | 2861% |
| Texas Workforce Commission | $119 | 3013% |
| Harbor Health Team | $122 | 3089% |
| Averde Health | $137 - $138 | 3468% |
| Comanche County | $152 - $153 | 3848% |
| National Choicecare | $152 - $153 | 3848% |
| Healthsmart Preferred Care | $168 - $245 | 4253% |
| Independent Medical Systems | $168 | 4253% |
| Physicians Cooperative Of Texas | $168 | 4253% |
| Prime Health | $183 - $184 | 4633% |
| First Health | $192 - $220 | 4861% |
| Coastal Comp Health Networks | $198 - $199 | 5013% |
| National Health Care | $198 - $199 | 5013% |
| Occunet | $214 | 5418% |
| Texas Municipal League | $214 | 5418% |
| Medcorp Southwest | $229 - $230 | 5797% |
| Rockport Healthcare Group | $244 - $275 | 6177% |
| Bce Emergis Corporation | $274 - $275 | 6937% |
| Beech Street | $274 - $275 | 6937% |
| Medical Control Network Solutions | $274 - $275 | 6937% |
| Multiplan | $274 - $275 | 6937% |