CMS Price Transparency Data

Digestive disorders treatment (inpatient stay)

Facility: Waverly Health Center

Billing Code: 392 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 392
Insurance Median: $7,989
Cash Discount Price: $4,842
vs. Medicare Baseline: 1.41x Medicare

The contracted insurance negotiated median rate for a Digestive disorders treatment (inpatient stay) at Waverly Health Center is $7,989. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,842. Compared to the federal Medicare reimbursement reference rate of $5,675.87, this hospital’s rate is 1.41x the Medicare baseline. Located in 312 9Th Street Sw, Waverly, IA.

Cash / Self-Pay

$4,842

Average discount available for prompt cash payment at this facility.

Insurance Median

$7,989

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: $4,842 (85%)

Insurance Median: $7,989 (141%)

Cash: $4,842 (85% of Medicare)

Ins. Median: $7,989 (141% 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
Wellmark Hmo	$4,354	77%
Wellmark Ppo - All Other Plans	$4,354	77%
UnitedHealthcare	$6,528 - $8,062	115%
Aetna	$7,915	139%
Hlth Partners Bridges Ntwrk	$7,915	139%
Hlth Partners Open Ntwrk - All Other Plans	$7,915	139%
Choicecare Network - All Plans	$8,062	142%
Medicare (plans)	$8,062	142%
Midlands Choice Mcare	$8,062	142%
Health Alliance-All Plans	$8,381	148%
Midlands Choice-All Other Plans	$8,381	148%

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 $4,842.
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 Waverly Health 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.