CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: Mary Washington Hospital

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $7
Cash Discount Price: $48
vs. Medicare Baseline: 1.37x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at Mary Washington Hospital is $7. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $48. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 1.37x the Medicare baseline. Located in 1001 Sam Perry Boulevard, Fredericksburg, VA.

Cash / Self-Pay

$48

Average discount available for prompt cash payment at this facility.

Insurance Median

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5.12

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5.12 (100%)

Cash / Self-Pay: $48 (938%)

Insurance Median: $7 (137%)

Cash: $48 (938% of Medicare)

Ins. Median: $7 (137% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $5.12 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.

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
Blue Cross Blue Shield	$5 - $6	98%
Humana	$5 - $6	98%
Kaiser	$5 - $7	98%
Molina	$5 - $6	98%
Aetna	$6 - $270	117%
Sentara	$6 - $200	117%
UnitedHealthcare	$6 - $7	117%
Cigna	$15 - $19	293%
Cf	$16 - $17	313%
Innovation	$22 - $26	430%
Medcost	$264	5156%
PHCS	$270	5273%

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 $48.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 82565.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Mary Washington Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 82565.
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.