CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Marshfield Medical Center - Beaver Dam (Mmc-Bd)

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $51
Cash Discount Price: $65
vs. Medicare Baseline: 12.91x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Marshfield Medical Center - Beaver Dam (Mmc-Bd) is $51. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $65. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 12.91x the Medicare baseline. Located in 707 S University Ave, Beaver Dam, WI.

Cash / Self-Pay

$65

Average discount available for prompt cash payment at this facility.

Insurance Median

$51

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: $65 (1646%)

Insurance Median: $51 (1291%)

Cash: $65 (1646% of Medicare)

Ins. Median: $51 (1291% 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 1291% of the Medicare baseline (a markup of 1191%). 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
Blue Cross Blue Shield	$4 - $21	101%
Group Health Cooperative Of Eau Claire	$4 - $68	101%
Humana	$4 - $64	101%
Icare	$4	101%
Managed Health Services	$4	101%
Molina Healthcare Of Wi	$4 - $61	101%
My Choice	$4	101%
Network Health Plan	$4 - $60	101%
Quartz	$4 - $41	101%
Security Health Plan (Shp)	$4 - $42	101%
Trilogy	$4 - $65	101%
UnitedHealthcare	$4 - $14	101%
Veteran'S Administration (Va Ccn)	$4	101%
The Alliance	$33 - $37	835%
Amish/Mennonite	$36 - $40	911%
Cigna	$44 - $53	1114%
Wps Health Insurance	$44 - $49	1114%
Health Payment Systems	$45 - $50	1139%
First Health	$55 - $61	1392%
Healtheos By Multiplan Inc.	$60 - $68	1519%
Coventry	$62 - $69	1570%
Health Partners	$62 - $68	1570%

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 $65.
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 Marshfield Medical Center - Beaver Dam (Mmc-Bd) 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.