CMS Price Transparency Data

Digestive disorders treatment (inpatient stay)

Facility: St Francis Hospital & Medical Center

Billing Code: 392 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 392
Insurance Median: $9,995
Cash Discount Price: $19,096
vs. Medicare Baseline: 1.76x Medicare

The contracted insurance negotiated median rate for a Digestive disorders treatment (inpatient stay) at St Francis Hospital & Medical Center is $9,995. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $19,096. Compared to the federal Medicare reimbursement reference rate of $5,675.87, this hospital’s rate is 1.76x the Medicare baseline. Located in 114 Woodland Street & 500 Blue Hills Avenue, Hartford, CT.

Cash / Self-Pay

$19,096

Average discount available for prompt cash payment at this facility.

Insurance Median

$9,995

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5,675.87

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5,675.87 (100%)

Cash / Self-Pay: $19,096 (336%)

Insurance Median: $9,995 (176%)

Cash: $19,096 (336% of Medicare)

Ins. Median: $9,995 (176% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $5,675.87 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
Aetna	$7,996 - $9,995	141%
Connecticare	$9,170 - $11,210	162%
1199 National Benefit Fund	$9,995	176%
Allied Benefit Systems	$9,995	176%
Gravie Admin Services	$9,995	176%
Hap	$9,995	176%
Luminare Health	$9,995	176%
Meritain	$9,995	176%
Nippon Life Ins	$9,995	176%
Webtpa	$9,995	176%
Allegiance	$10,460	184%
Cigna	$10,460	184%
Health Partners	$10,460	184%
Magnacare	$10,460	184%
Geha	$12,660	223%
Harvard Pilgrim Healthcare	$12,660	223%
UnitedHealthcare	$12,660 - $14,644	223%

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 $19,096.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify MS-DRG Code matches exactly: 392.

Insurance In-Network Protection Plan

Contact your insurance company to confirm St Francis Hospital & Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for MS-DRG code 392.
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.