CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Baylor Scott and White Medical Center Lake Pointe

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $19
Cash Discount Price: $59
vs. Medicare Baseline: 4.81x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Baylor Scott and White Medical Center Lake Pointe is $19. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $59. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 4.81x the Medicare baseline. Located in 6800 Scenic Dr, Rowlett, TX.

Cash / Self-Pay

$59

Average discount available for prompt cash payment at this facility.

Insurance Median

$19

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: $59 (1494%)

Insurance Median: $19 (481%)

Cash: $59 (1494% of Medicare)

Ins. Median: $19 (481% 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 481% of the Medicare baseline (a markup of 381%). 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
American Health Plan	$4	101%
Baylor Scott & White Health Plan	$4 - $57	101%
Blue Cross Blue Shield	$4 - $29	101%
Corvel	$4	101%
Healthspring	$4	101%
Humana	$4 - $68	101%
Molina	$4	101%
Prime Health Services	$4	101%
Procare Advantage	$4	101%
Superior Health Plan	$4 - $11	101%
Triwest	$4	101%
Wellpoint (Fka Amerigroup)	$4 - $11	101%
UnitedHealthcare	$5 - $11	127%
Ambetter / Centene	$8	203%
Cigna	$48 - $57	1215%
Aetna	$54	1367%
Employers Health Network	$54	1367%
Quiktrip	$54	1367%
University Of Mary Hardin-Baylor	$57	1443%
Texas A&M Commerce	$59	1494%
Imagine Health	$61	1544%
Curative	$63	1595%
First Health	$68	1722%
Healthsmart	$68 - $73	1722%
Private Health Care System	$73	1848%

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 $59.
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 Baylor Scott and White Medical Center Lake Pointe 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.