CMS Price Transparency Data

Colonoscopy (diagnostic)

Facility: Memorialcare Orange Coast Medical Center

Billing Code: 45378 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45378
Insurance Median: $2,713
Cash Discount Price: $4,077
vs. Medicare Baseline: 2.86x Medicare

The contracted insurance negotiated median rate for a Colonoscopy (diagnostic) at Memorialcare Orange Coast Medical Center is $2,713. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,077. Compared to the federal Medicare reimbursement reference rate of $950.1, this hospital’s rate is 2.86x the Medicare baseline. Located in 9920 Talbert Avenue, Fountain Valley, CA.

Cash / Self-Pay

$4,077

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,713

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: $4,077 (429%)

Insurance Median: $2,713 (286%)

Cash: $4,077 (429% of Medicare)

Ins. Median: $2,713 (286% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 286% of the Medicare baseline (a markup of 186%). 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
Seoul Medical Group	$1,076	113%
Blue Shield	$1,172 - $7,125	123%
Blue Cross Blue Shield	$1,196 - $3,266	126%
Molina	$1,232	130%
Universal Care	$1,256	132%
Central Health	$1,316	139%
Clever Care	$1,435	151%
Heritage Provider Network	$1,459	154%
Healthcare Partners	$1,495 - $3,253	157%
Select Health	$1,615	170%
Aetna	$1,781 - $3,055	187%
Monarch Health Plan	$1,926 - $2,990	203%
Centivo	$2,691	283%
Cigna	$2,705 - $4,253	285%
UnitedHealthcare	$3,434 - $5,953	361%
Healthnet	$3,747 - $5,353	394%

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 $4,077.
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 Memorialcare Orange Coast Medical Center 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.