CMS Price Transparency Data

Colonoscopy with biopsy

Facility: Southwest Memorial Hospital

Billing Code: 45380 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45380
Insurance Median: $1,192
Cash Discount Price: $1,379
vs. Medicare Baseline: 0.98x Medicare

The contracted insurance negotiated median rate for a Colonoscopy with biopsy at Southwest Memorial Hospital is $1,192. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,379. Compared to the federal Medicare reimbursement reference rate of $1,222.56, this hospital’s rate is 0.98x the Medicare baseline. Located in 1311 N Mildred Rd, Cortez, CO.

Cash / Self-Pay

$1,379

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,192

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$1,222.56

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $1,222.56 (100%)

Cash / Self-Pay: $1,379 (113%)

Insurance Median: $1,192 (98%)

Cash: $1,379 (113% of Medicare)

Ins. Median: $1,192 (98% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $1,222.56 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	$340 - $3,821	28%
Humana	$340 - $4,125	28%
Rocky Mountain Health Maintenance Organization Inc.	$1,078 - $3,995	88%
Aetna	$1,096 - $4,060	90%
Cigna	$1,096 - $4,060	90%
Cofinity	$1,096 - $4,060	90%
Great West	$1,102 - $4,081	90%
Kaiser Permanente	$1,113 - $4,125	91%
Coventry	$1,125 - $4,168	92%
UnitedHealthcare	$1,125 - $4,168	92%

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 $1,379.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 45380.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Southwest Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 45380.
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.