CMS Price Transparency Data

Colonoscopy (diagnostic)

Facility: Fairbanks Memorial Hospital

Billing Code: 45378 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45378
Insurance Median: $1,893
Cash Discount Price: $2,004
vs. Medicare Baseline: 1.99x Medicare

The contracted insurance negotiated median rate for a Colonoscopy (diagnostic) at Fairbanks Memorial Hospital is $1,893. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,004. Compared to the federal Medicare reimbursement reference rate of $950.1, this hospital’s rate is 1.99x the Medicare baseline. Located in 1650 Cowles Street, Fairbanks, AK.

Cash / Self-Pay

$2,004

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,893

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$950.1

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $950.1 (100%)

Cash / Self-Pay: $2,004 (211%)

Insurance Median: $1,893 (199%)

Cash: $2,004 (211% of Medicare)

Ins. Median: $1,893 (199% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $950.1 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.

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
Premera First - All Plans	$215 - $1,032	23%
Tricare	$215 - $1,032	23%
Va (Triwest) - All Plans	$429 - $1,032	45%
Banner Choice - All Plans	$522 - $622	55%
Blue Cross Blue Shield	$1,835 - $2,165	193%
Moda Health Plan - All Plans	$1,874 - $2,234	197%
Multiplan - All Plans	$1,874 - $2,234	197%
UnitedHealthcare	$1,874 - $2,188	197%
Cigna	$1,893 - $2,257	199%
Aetna	$2,025 - $2,423	213%

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 $2,004.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 45378.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Fairbanks Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 45378.
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.