CMS Price Transparency Data

Blood test, creatinine (kidney)

Facility: Black River Memorial Hospital

Billing Code: 82565 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 82565
Insurance Median: $67
Cash Discount Price: $83
vs. Medicare Baseline: 13.09x Medicare

The contracted insurance negotiated median rate for a Blood test, creatinine (kidney) at Black River Memorial Hospital is $67. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $83. Compared to the federal Medicare reimbursement reference rate of $5.12, this hospital’s rate is 13.09x the Medicare baseline. Located in 711 W Adams St, Black River Falls, WI.

Cash / Self-Pay

$83

Average discount available for prompt cash payment at this facility.

Insurance Median

$67

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: $83 (1621%)

Insurance Median: $67 (1309%)

Cash: $83 (1621% of Medicare)

Ins. Median: $67 (1309% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 1309% of the Medicare baseline (a markup of 1209%). 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	$3 - $58	59%
Group Health Cooperative Of Eau Claire	$5 - $110	98%
My Choice Wisconsin, Inc.	$5 - $58	98%
Quartz Health Solutions, Inc	$5 - $103	98%
UnitedHealthcare	$5 - $107	98%
Humana	$36 - $105	703%
Security Health Plan	$36 - $106	703%
Corvel	$43 - $69	840%
The Alliance	$60 - $108	1172%
Triology Health Solutions	$64 - $107	1250%
Medica	$66 - $106	1289%
Association Benefits Solution	$67 - $107	1309%
Family Health Center Of Marshfield	$67 - $107	1309%
First Health Group Corporation	$67 - $107	1309%
Provider Network Of America	$67 - $107	1309%
Cigna	$69 - $110	1348%
Cofinity	$69 - $110	1348%
Coventry Health Care	$69 - $110	1348%
Custom Benefit Administrators	$69 - $110	1348%
Healthpartners, Inc.	$69 - $110	1348%
Multiplan	$69 - $112	1348%
Wisconsin Physicians Service Insurance Corp	$69 - $110	1348%
Chorus	$70 - $111	1367%

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 $83.
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 Black River Memorial 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.