CMS Price Transparency Data

Colonoscopy with biopsy

Facility: Carle Foundation Hospital

Billing Code: 45380 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45380
Insurance Median: $1,329
Cash Discount Price: $4,431
vs. Medicare Baseline: 1.09x Medicare

The contracted insurance negotiated median rate for a Colonoscopy with biopsy at Carle Foundation Hospital is $1,329. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,431. Compared to the federal Medicare reimbursement reference rate of $1,222.56, this hospital’s rate is 1.09x the Medicare baseline. Located in 611 West Park Street, Urbana, IL.

Cash / Self-Pay

$4,431

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,329

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: $4,431 (362%)

Insurance Median: $1,329 (109%)

Cash: $4,431 (362% of Medicare)

Ins. Median: $1,329 (109% 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
Humana	$194 - $1,282	16%
Aetna	$200 - $3,554	16%
Meridian	$443 - $1,282	36%
Blue Cross Blue Shield	$1,282 - $2,880	105%
Molina	$1,282 - $1,329	105%
UnitedHealthcare	$1,282 - $2,743	105%
Wellcare	$1,282	105%
Community Partners Health Plan (Cphp)	$2,607	213%
Cigna	$3,456	283%
Multiplan/Phcs	$3,545	290%
Healthlink	$3,766	308%

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 $4,431.
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 Carle Foundation 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.