CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: TMC- Bonham Hospital

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $171
Cash Discount Price: $94
vs. Medicare Baseline: 43.29x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at TMC- Bonham Hospital is $171. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $94. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 43.29x the Medicare baseline. Located in 504 Lipscomb Street, Bonham, TX.

Cash / Self-Pay

$94

Average discount available for prompt cash payment at this facility.

Insurance Median

$171

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: $94 (2380%)

Insurance Median: $171 (4329%)

Cash: $94 (2380% of Medicare)

Ins. Median: $171 (4329% 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 4329% of the Medicare baseline (a markup of 4229%). 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
UnitedHealthcare	$99 - $154	2506%
Cigna	$108 - $168	2734%
Blue Cross Blue Shield	$145 - $225	3671%
Aetna	$162 - $251	4101%
Healthsmart	$167 - $260	4228%
Coventry	$174 - $270	4405%
Superior	$301 - $468	7620%

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 $94.
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 TMC- Bonham Hospital 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.