CMS Price Transparency Data

CT scan, sinuses

Facility: Montrose Regional Health

Billing Code: 70486 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70486
Insurance Median: $365
Cash Discount Price: $353
vs. Medicare Baseline: 3.42x Medicare

The contracted insurance negotiated median rate for a CT scan, sinuses at Montrose Regional Health is $365. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $353. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 3.42x the Medicare baseline. Located in 800 S 3Rd St, Montrose, CO.

Cash / Self-Pay

$353

Average discount available for prompt cash payment at this facility.

Insurance Median

$365

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$106.81

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $106.81 (100%)

Cash / Self-Pay: $353 (330%)

Insurance Median: $365 (342%)

Cash: $353 (330% of Medicare)

Ins. Median: $365 (342% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $106.81 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 342% of the Medicare baseline (a markup of 242%). 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	$40 - $1,375	37%
Humana	$40 - $1,390	37%
Medicare (plans)	$40 - $118	37%
UnitedHealthcare	$46 - $1,390	43%
Montrose Community Healthplan-All Plans	$57 - $1,244	53%
United Rocky Mountain Chp-All Other Plans	$67 - $629	63%
United Rocky Mountain Private Plan	$67 - $1,353	63%
United Rocky Mountain Self Insured	$67 - $1,390	63%
Sloans Lake Managed Care-All Plans	$87 - $1,394	81%
United Rocky Mountain Mcaid	$102 - $984	95%
Three Rivers-All Plans	$127 - $1,390	119%
Western Healthcare Alliance-All Plans	$127 - $1,317	119%
Cigna	$134 - $1,390	125%
Multiplan-All Plans	$134 - $1,390	125%
Uchpa - All Plans	$134 - $1,390	125%

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 $353.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 70486.

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 70486.
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.