CMS Price Transparency Data

Colonoscopy (diagnostic)

Facility: Montrose Regional Health

Billing Code: 45378 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45378
Insurance Median: $551
Cash Discount Price: $733
vs. Medicare Baseline: 0.58x Medicare

The contracted insurance negotiated median rate for a Colonoscopy (diagnostic) at Montrose Regional Health is $551. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $733. Compared to the federal Medicare reimbursement reference rate of $950.1, this hospital’s rate is 0.58x the Medicare baseline. Located in 800 S 3Rd St, Montrose, CO.

Cash / Self-Pay

$733

Average discount available for prompt cash payment at this facility.

Insurance Median

$551

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: $733 (77%)

Insurance Median: $551 (58%)

Cash: $733 (77% of Medicare)

Ins. Median: $551 (58% 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
Blue Cross Blue Shield	$166 - $1,292	17%
Humana	$166 - $1,169	17%
Medicare (plans)	$166	17%
United Rocky Mountain Chp-All Other Plans	$274	29%
United Rocky Mountain Private Plan	$277	29%
United Rocky Mountain Self Insured	$277	29%
UnitedHealthcare	$286	30%
Three Rivers-All Plans	$522 - $1,238	55%
Western Healthcare Alliance-All Plans	$522 - $1,238	55%
Cigna	$551 - $1,306	58%
Multiplan-All Plans	$551 - $1,306	58%
Uchpa - All Plans	$551 - $1,306	58%
Sloans Lake Managed Care-All Plans	$555	58%
United Rocky Mountain Mcaid	$580 - $1,375	61%

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 $733.
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 Montrose Regional Health 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.