CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Beloit Health System

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $44
Cash Discount Price: $21
vs. Medicare Baseline: 11.14x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Beloit Health System is $44. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $21. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 11.14x the Medicare baseline. Located in 1969 W Hart Rd, Beloit, WI.

Cash / Self-Pay

$21

Average discount available for prompt cash payment at this facility.

Insurance Median

$44

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: $21 (532%)

Insurance Median: $44 (1114%)

Cash: $21 (532% of Medicare)

Ins. Median: $44 (1114% 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 1114% of the Medicare baseline (a markup of 1014%). 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
Aetna	$4 - $75	101%
Blue Cross Blue Shield	$4 - $42	101%
Cook Children'S Health Plan (Cchp)	$4 - $40	101%
Dean Health	$4 - $44	101%
Humana	$4 - $15	101%
Independent Care Health Plan	$4	101%
Managed Health Services	$4	101%
Molina Healthcare	$4	101%
Quartz	$4 - $51	101%
UnitedHealthcare	$4 - $59	101%
Wellcare	$4	101%
Naphcare	$6	152%
The Alliance	$16	405%
Wps	$18 - $59	456%
Wea Trust	$38 - $43	962%
Multiplan	$55 - $63	1392%
Health Eos	$61 - $72	1544%
Cigna	$63 - $75	1595%
Hfn	$63 - $75	1595%
Preferred Network Access	$63 - $75	1595%

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 $21.
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 Beloit Health System 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.