CMS Price Transparency Data

Blood test, urea nitrogen (BUN, kidney)

Facility: Black River Memorial Hospital

Billing Code: 84520 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 84520
Insurance Median: $62
Cash Discount Price: $67
vs. Medicare Baseline: 15.70x Medicare

The contracted insurance negotiated median rate for a Blood test, urea nitrogen (BUN, kidney) at Black River Memorial Hospital is $62. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $67. Compared to the federal Medicare reimbursement reference rate of $3.95, this hospital’s rate is 15.70x the Medicare baseline. Located in 711 W Adams St, Black River Falls, WI.

Cash / Self-Pay

$67

Average discount available for prompt cash payment at this facility.

Insurance Median

$62

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: $67 (1696%)

Insurance Median: $62 (1570%)

Cash: $67 (1696% of Medicare)

Ins. Median: $62 (1570% 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 1570% of the Medicare baseline (a markup of 1470%). 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	$2 - $42	51%
Group Health Cooperative Of Eau Claire	$4 - $81	101%
My Choice Wisconsin, Inc.	$4 - $42	101%
Quartz Health Solutions, Inc	$4 - $76	101%
UnitedHealthcare	$4 - $78	101%
Humana	$33 - $77	835%
Security Health Plan	$33 - $78	835%
Corvel	$40 - $51	1013%
The Alliance	$55 - $80	1392%
Triology Health Solutions	$58 - $79	1468%
Medica	$61 - $78	1544%
Association Benefits Solution	$62 - $79	1570%
Family Health Center Of Marshfield	$62 - $79	1570%
First Health Group Corporation	$62 - $79	1570%
Provider Network Of America	$62 - $79	1570%
Cigna	$63 - $81	1595%
Cofinity	$63 - $81	1595%
Coventry Health Care	$63 - $81	1595%
Custom Benefit Administrators	$63 - $81	1595%
Healthpartners, Inc.	$63 - $81	1595%
Multiplan	$63 - $82	1595%
Wisconsin Physicians Service Insurance Corp	$63 - $81	1595%
Chorus	$64 - $81	1620%

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 $67.
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 Black River Memorial 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.