CMS Price Transparency Data

Inguinal hernia repair

Facility: San Gorgonio Memorial Hospital

Billing Code: 49505 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 49505
Insurance Median: $7,381
Cash Discount Price: $2,705
vs. Medicare Baseline: 2.02x Medicare

The contracted insurance negotiated median rate for a Inguinal hernia repair at San Gorgonio Memorial Hospital is $7,381. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,705. Compared to the federal Medicare reimbursement reference rate of $3,657.95, this hospital’s rate is 2.02x the Medicare baseline. Located in 600 North Highland Springs Avenue, Banning, CA.

Cash / Self-Pay

$2,705

Average discount available for prompt cash payment at this facility.

Insurance Median

$7,381

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$3,657.95

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $3,657.95 (100%)

Cash / Self-Pay: $2,705 (74%)

Insurance Median: $7,381 (202%)

Cash: $2,705 (74% of Medicare)

Ins. Median: $7,381 (202% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $3,657.95 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 202% of the Medicare baseline (a markup of 102%). 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	$2,080 - $7,770	57%
Lasalle Medical Associates	$4,353 - $7,381	119%
Beaver Medical Group	$4,582 - $7,770	125%
Blue Shield	$4,582 - $7,770	125%
Choice Physicians Network	$4,582 - $7,770	125%
Heritage Provider Network	$4,582 - $7,770	125%
Inland Empire Health Plan	$4,582 - $8,547	125%
Kaiser	$4,582 - $23,310	125%
Providence Health Network	$4,582 - $7,770	125%
Redlands Community Hospital	$4,582 - $9,324	125%
UnitedHealthcare	$4,582 - $7,770	125%
Easy Choice Health Plan	$4,812 - $8,158	132%
Epic Management	$4,812 - $8,158	132%
Velocity	$5,041 - $8,547	138%
Imperial Health Plan	$5,178 - $8,780	142%
Health Net	$5,856 - $11,127	160%

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 $2,705.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 49505.

Insurance In-Network Protection Plan

Contact your insurance company to confirm San Gorgonio Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 49505.
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.