CMS Price Transparency Data

Colonoscopy with biopsy

Facility: Veterans Memorial Hospital

Billing Code: 45380 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45380
Insurance Median: $2,259
Cash Discount Price: $2,994
vs. Medicare Baseline: 1.85x Medicare

The contracted insurance negotiated median rate for a Colonoscopy with biopsy at Veterans Memorial Hospital is $2,259. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,994. Compared to the federal Medicare reimbursement reference rate of $1,222.56, this hospital’s rate is 1.85x the Medicare baseline. Located in 40 1St Street Se, Waukon, IA.

Cash / Self-Pay

$2,994

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,259

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: $2,994 (245%)

Insurance Median: $2,259 (185%)

Cash: $2,994 (245% of Medicare)

Ins. Median: $2,259 (185% 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
Wellmark Hmo - All Other Plans	$1,086	89%
Wellmark Ppo	$1,193	98%
Amerigroup Mcaid - All Other Plans	$1,223	100%
Amerigroup Mcr Adv	$2,259	185%
Humana	$2,259 - $3,940	185%
Iowa Total Care Exchange	$2,259	185%
Iowa Total Care Mcr Adv	$2,259	185%
Medica Mcr Adv	$2,259	185%
Molina Mcr Adv	$2,259	185%
Quartz Mcr Adv	$2,259	185%
UnitedHealthcare	$2,259 - $4,465	185%
Welmark Mcr Adv	$2,259	185%
Iowa Total Care Mcaid - All Other Plans	$2,679	219%
Molina Mcaid - All Other Plans	$2,679	219%
Aetna	$3,509	287%
Quartz Comm - All Other Plans	$3,940	322%
Medica Comm - All Other Plans	$4,181	342%

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 $2,994.
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 Veterans 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.