CMS Price Transparency Data

Colonoscopy (diagnostic)

Facility: Waverly Health Center

Billing Code: 45378 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45378
Insurance Median: $332
Cash Discount Price: $524
vs. Medicare Baseline: 0.35x Medicare

The contracted insurance negotiated median rate for a Colonoscopy (diagnostic) at Waverly Health Center is $332. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $524. Compared to the federal Medicare reimbursement reference rate of $950.1, this hospital’s rate is 0.35x the Medicare baseline. Located in 312 9Th Street Sw, Waverly, IA.

Cash / Self-Pay

$524

Average discount available for prompt cash payment at this facility.

Insurance Median

$332

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$950.1

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $950.1 (100%)

Cash / Self-Pay: $524 (55%)

Insurance Median: $332 (35%)

Cash: $524 (55% of Medicare)

Ins. Median: $332 (35% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $950.1 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
UnitedHealthcare	$137 - $1,099	14%
Choicecare Network - All Plans	$153	16%
Health Alliance-All Plans	$153	16%
Midlands Choice Mcare	$153	16%
Medicare (plans)	$171	18%
Hlth Partners Bridges Ntwrk	$312 - $1,090	33%
Hlth Partners Open Ntwrk - All Other Plans	$312 - $1,090	33%
Wellmark Hmo	$349	37%
Midlands Choice-All Other Plans	$377	40%
Aetna	$382 - $1,333	40%
Wellmark Ppo - All Other Plans	$411	43%

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 $524.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 45378.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Waverly Health Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 45378.
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.