CMS Price Transparency Data

Gallbladder removal (laparoscopic)

Facility: Fhn Memorial Hospital

Billing Code: 47562 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 47562
Insurance Median: $2,574
Cash Discount Price: $1,961
vs. Medicare Baseline: 0.42x Medicare

The contracted insurance negotiated median rate for a Gallbladder removal (laparoscopic) at Fhn Memorial Hospital is $2,574. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,961. Compared to the federal Medicare reimbursement reference rate of $6,176.47, this hospital’s rate is 0.42x the Medicare baseline. Located in 1045 West Stephenson Street, Freeport, IL.

Cash / Self-Pay

$1,961

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,574

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: $1,961 (32%)

Insurance Median: $2,574 (42%)

Cash: $1,961 (32% of Medicare)

Ins. Median: $2,574 (42% 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	$455 - $6,478	7%
The Alliance - All Plans	$490 - $2,449	8%
Ecoh Nihp	$515 - $2,574	8%
Nihp Employ - All Plans	$515 - $2,574	8%
Quartz - All Other Plans	$531 - $2,655	9%
Blue Cross Blue Shield	$551 - $2,757	9%
Ecoh - All Other Plans	$556 - $2,778	9%
Northern Il Hp - All Plans	$564 - $2,819	9%
First Health - All Plans	$574 - $2,872	9%
UnitedHealthcare	$637 - $6,543	10%
Humana	$646 - $6,478	10%
Hfn - All Plans	$670 - $3,350	11%
First Choice Il - All Plans	$694 - $3,472	11%
Multiplan Phcs - All Plans	$694 - $3,472	11%
Wps - All Plans	$714 - $3,570	12%
Galaxy - All Plans	$735 - $3,676	12%
Health Alliance - All Other Plans	$735 - $3,676	12%
Interplan Health - All Plans	$735 - $3,676	12%
Preferred Plan Ppo - All Plans	$735 - $3,676	12%
Trustmark - All Plans	$752 - $3,758	12%
Midland Choice - All Plans	$776 - $3,881	13%
Osf Healthplans - All Plans	$817 - $4,085	13%
Meridian Health Plan - All Plans	$2,976	48%
Health Alliance Mcr Adv	$6,478	105%
Quartz Mcr Adv	$6,478	105%

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 $1,961.
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 Fhn Memorial Hospital 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.