CMS Price Transparency Data

Cataract surgery with lens implant

Facility: Fhn Memorial Hospital

Billing Code: 66984 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 66984
Insurance Median: $2,473
Cash Discount Price: $1,945
vs. Medicare Baseline: 1.05x Medicare

The contracted insurance negotiated median rate for a Cataract surgery with lens implant at Fhn Memorial Hospital is $2,473. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,945. Compared to the federal Medicare reimbursement reference rate of $2,357.81, this hospital’s rate is 1.05x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$1,945

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,473

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$2,357.81

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $2,357.81 (100%)

Cash / Self-Pay: $1,945 (82%)

Insurance Median: $2,473 (105%)

Cash: $1,945 (82% of Medicare)

Ins. Median: $2,473 (105% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $2,357.81 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
Meridian Health Plan - All Plans	$1,479	63%
Aetna	$2,473 - $2,708	105%
Health Alliance Mcr Adv	$2,473	105%
Humana	$2,473 - $3,845	105%
Quartz Mcr Adv	$2,473	105%
UnitedHealthcare	$2,498 - $3,792	106%
The Alliance - All Plans	$2,914	124%
Ecoh Nihp	$3,062	130%
Nihp Employ - All Plans	$3,062	130%
Quartz - All Other Plans	$3,160	134%
Blue Cross Blue Shield	$3,281	139%
Ecoh - All Other Plans	$3,305	140%
Northern Il Hp - All Plans	$3,354	142%
First Health - All Plans	$3,417	145%
Hfn - All Plans	$3,986	169%
First Choice Il - All Plans	$4,132	175%
Multiplan Phcs - All Plans	$4,132	175%
Wps - All Plans	$4,249	180%
Galaxy - All Plans	$4,375	186%
Health Alliance - All Other Plans	$4,375	186%
Interplan Health - All Plans	$4,375	186%
Preferred Plan Ppo - All Plans	$4,375	186%
Trustmark - All Plans	$4,472	190%
Midland Choice - All Plans	$4,618	196%
Osf Healthplans - All Plans	$4,861	206%

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 $1,945.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 66984.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Fhn Memorial Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 66984.
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.