CMS Price Transparency Data

Gallbladder removal (laparoscopic)

Facility: Northwestern Medicine McHenry

Billing Code: 47562 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 47562
Insurance Median: $11,302
Cash Discount Price: $24,073
vs. Medicare Baseline: 1.83x Medicare

The contracted insurance negotiated median rate for a Gallbladder removal (laparoscopic) at Northwestern Medicine McHenry is $11,302. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $24,073. Compared to the federal Medicare reimbursement reference rate of $6,176.47, this hospital’s rate is 1.83x the Medicare baseline. Located in 4201 Medical Center Drive, McHenry, IL.

Cash / Self-Pay

$24,073

Average discount available for prompt cash payment at this facility.

Insurance Median

$11,302

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$6,176.47

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $6,176.47 (100%)

Cash / Self-Pay: $24,073 (390%)

Insurance Median: $11,302 (183%)

Cash: $24,073 (390% of Medicare)

Ins. Median: $11,302 (183% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $6,176.47 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
Aetna	$4,363 - $11,867	71%
Cigna	$4,453 - $16,953	72%
Mercy Care Health Plans [5013]	$6,860	111%
UnitedHealthcare	$7,055 - $7,839	114%
Blue Cross Blue Shield	$8,065 - $22,604	131%
Healthlink [125]	$11,302	183%
Choicecare [177]	$12,025	195%
Multiplan/Phcs [142]	$12,432 - $22,604	201%
The Alliance [1703]	$14,519	235%
Health'S Finest Network [126]	$15,823 - $16,501	256%
Beechstreet [176]	$18,083	293%

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 $24,073.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 47562.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Northwestern Medicine McHenry is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 47562.
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.