CMS Price Transparency Data

Digestive disorders treatment (inpatient stay)

Facility: Iowa Specialty Hospital - Belmond

Billing Code: 392 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 392
Insurance Median: $36,862
Cash Discount Price: $23,281
vs. Medicare Baseline: 6.49x Medicare

The contracted insurance negotiated median rate for a Digestive disorders treatment (inpatient stay) at Iowa Specialty Hospital - Belmond is $36,862. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $23,281. Compared to the federal Medicare reimbursement reference rate of $5,675.87, this hospital’s rate is 6.49x the Medicare baseline. Located in 403 First Street Se, Belmond, IA.

Cash / Self-Pay

$23,281

Average discount available for prompt cash payment at this facility.

Insurance Median

$36,862

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: $23,281 (410%)

Insurance Median: $36,862 (649%)

Cash: $23,281 (410% of Medicare)

Ins. Median: $36,862 (649% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 649% of the Medicare baseline (a markup of 549%). 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
Wellmark Hmo	$14,908	263%
Wellmark Ppo-All Other Plans	$14,908	263%
Auxiant Clarion Schools-All Plans	$25,221	444%
Health Partners Prestage	$29,102	513%
Health Partners Ish-All Other Plans	$31,042	547%
UnitedHealthcare	$33,952 - $43,960	598%
Aetna	$36,086 - $43,960	636%
Cigna	$37,638	663%
Midlands Choice-All Plans	$37,638	663%
Tricare	$43,960	775%
Triwest Va Choice And Pc3-All Plans	$43,960	775%
Healthscope Stellar - All Plans	$72,534	1278%

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 $23,281.
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 Iowa Specialty Hospital - Belmond 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.