CMS Price Transparency Data

Colonoscopy with biopsy

Facility: Northwestern Lake Forest Hospital

Billing Code: 45380 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45380
Insurance Median: $3,045
Cash Discount Price: $7,811
vs. Medicare Baseline: 2.49x Medicare

The contracted insurance negotiated median rate for a Colonoscopy with biopsy at Northwestern Lake Forest Hospital is $3,045. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $7,811. Compared to the federal Medicare reimbursement reference rate of $1,222.56, this hospital’s rate is 2.49x the Medicare baseline. Located in 1000 N Westmoreland Road, Lake Forest, IL.

Cash / Self-Pay

$7,811

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,045

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: $7,811 (639%)

Insurance Median: $3,045 (249%)

Cash: $7,811 (639% of Medicare)

Ins. Median: $3,045 (249% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 249% of the Medicare baseline (a markup of 149%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$971 - $1,798	79%
Blue Cross Blue Shield	$1,239 - $5,849	101%
Cigna	$2,205 - $3,790	180%
UnitedHealthcare	$2,741 - $5,849	224%
Healthlink [125]	$2,924	239%
Health'S Finest Network [126]	$3,738 - $5,264	306%
The Alliance [1703]	$3,757	307%
Beechstreet [176]	$4,679	383%
Multiplan/Phcs [142]	$4,679 - $5,849	383%
First Health Plan [6034]	$4,796	392%

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 $7,811.
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 Northwestern Lake Forest 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.