CMS Price Transparency Data

Colonoscopy (diagnostic)

Facility: St Anthony Regional Hospital & Nursing Home

Billing Code: 45378 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45378
Insurance Median: $243
Cash Discount Price: $1,065
vs. Medicare Baseline: 0.26x Medicare

The contracted insurance negotiated median rate for a Colonoscopy (diagnostic) at St Anthony Regional Hospital & Nursing Home is $243. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,065. Compared to the federal Medicare reimbursement reference rate of $950.1, this hospital’s rate is 0.26x the Medicare baseline. Located in 311 South Clark Street, Carroll, IA.

Cash / Self-Pay

$1,065

Average discount available for prompt cash payment at this facility.

Insurance Median

$243

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: $1,065 (112%)

Insurance Median: $243 (26%)

Cash: $1,065 (112% of Medicare)

Ins. Median: $243 (26% 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
Midlands Choice - All Plans	$77	8%
Aetna	$153 - $646	16%
Humana	$153 - $905	16%
Medica Mcr - All Plans	$153	16%
UnitedHealthcare	$153 - $244	16%
Va Ccn - All Plans	$153	16%
Wellpoint Mcr Adv	$153	16%
Ia Total Care Mcr	$157	17%
Ia Total Care Comm - All Other Plans	$198	21%
Wellmark Hmo	$352	37%
Wellmark Ppo-All Other Plans	$414	44%
Ia Total Care Mcaid	$1,065	112%
Wellpoint Mcaid - All Other Plans	$1,065	112%
Molina Mcaid - All Plans	$1,086	114%

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 $1,065.
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 St Anthony Regional Hospital & Nursing Home 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.