Blood test, creatinine (kidney)
Facility: Lindsborg Community Hospital
Billing Code: 82565 (CPT)
- CPT Billing Code: 82565
- Insurance Median: $50
- Cash Discount Price: $38
- vs. Medicare Baseline: 9.77x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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 977% of the Medicare baseline (a markup of 877%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.
Out-of-Pocket Cost Estimator
Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.
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 | $11 | 215% |
| Tricare | $26 | 508% |
| Coventry Mcr Adv | $26 | 508% |
| Cigna | $46 | 898% |
| UnitedHealthcare | $49 | 957% |
| Coventry Comm-All Other Plans | $49 | 957% |
| Multiplan-All Plans | $51 | 996% |
| Phcs Preferred-All Plans | $51 | 996% |
| Wppa-All Plans | $52 | 1016% |
| Century Health-All Plans | $52 | 1016% |
| Coventry Wc | $52 | 1016% |
| Health Partners -All Plans | $52 | 1016% |
Consumer Guidance & Cost Commentary
For this blood test for creatinine at Lindsborg Community Hospital, the facility's cash price of $38.00 is lower than the median negotiated rate of $50.00 paid by insurance plans. While the hospital is a Critical Access Hospital in Kansas, the data provided does not include specific county or state average comparisons for this procedure, so no regional benchmarking can be performed against local norms. Patients with high-deductible plans may find it financially advantageous to pay the cash price directly, as the $38.00 rate is lower than the $50.00 amount typically negotiated with insurers, potentially saving money before the deductible is met.
To maximize savings, patients should verify if the hospital offers "self-pay" or "prompt-pay" discounts, which can reduce the final bill by 20% to 50% for upfront payment. It is important to note that commercial insurance rates often include administrative overhead and contract markups that can exceed the true cost of care, making the cash price a more transparent baseline for comparison. Since the Medicare benchmark for this service is $5.12, the facility's cash rate represents a significant markup above the federal baseline, but it remains the lowest fixed price available among the listed payers. Consumers are encouraged to request an itemized bill before payment to ensure all charges are accurate and to avoid unexpected balance billing, particularly if they have out-of-network coverage or ancillary services involved.