CMS Price Transparency Data

Upper endoscopy with biopsy

Facility: Humboldt County Memorial Hospital

Billing Code: 43239 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 43239
Insurance Median: $1,586
Cash Discount Price: $1,904
vs. Medicare Baseline: 1.71x Medicare

The contracted insurance negotiated median rate for a Upper endoscopy with biopsy at Humboldt County Memorial Hospital is $1,586. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,904. Compared to the federal Medicare reimbursement reference rate of $926.63, this hospital’s rate is 1.71x the Medicare baseline. Located in 1000 North 15Th Street, Humboldt, IA.

Cash / Self-Pay

$1,904

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,586

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$926.63

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $926.63 (100%)

Cash / Self-Pay: $1,904 (205%)

Insurance Median: $1,586 (171%)

Cash: $1,904 (205% of Medicare)

Ins. Median: $1,586 (171% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $926.63 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
Great West	$619 - $1,480	67%
Physicians Mutual	$636 - $1,523	69%
Cigna	$663 - $1,586	72%
Phcs	$663 - $1,586	72%
Deanhealth	$707 - $1,692	76%
Health Partners	$707 - $1,692	76%
Humana	$751 - $1,798	81%
UnitedHealthcare	$849 - $2,030	92%
Wellpoint	$849 - $2,115	92%
Aetna	$884 - $1,586	95%
Blue Cross Blue Shield	$884 - $1,840	95%
Iowa Health	$884 - $1,646	95%
Iowa Total Care	$884 - $2,115	95%
Molina	$884 - $2,115	95%

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 $1,904.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 43239.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Humboldt County Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 43239.
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.