CMS Price Transparency Data

Upper endoscopy with biopsy

Facility: Franciscan Health Indianapolis

Billing Code: 43239 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 43239
Insurance Median: $1,919
Cash Discount Price: $3,146
vs. Medicare Baseline: 2.07x Medicare

The contracted insurance negotiated median rate for a Upper endoscopy with biopsy at Franciscan Health Indianapolis is $1,919. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,146. Compared to the federal Medicare reimbursement reference rate of $926.63, this hospital’s rate is 2.07x the Medicare baseline. Located in 8111 S Emerson Ave, Indianapolis, IN.

Cash / Self-Pay

$3,146

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,919

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$926.63

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $926.63 (100%)

Cash / Self-Pay: $3,146 (340%)

Insurance Median: $1,919 (207%)

Cash: $3,146 (340% of Medicare)

Ins. Median: $1,919 (207% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $926.63 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 207% of the Medicare baseline (a markup of 107%). 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
Mdwise [1175]	$153	17%
Medicaid / KanCare	$153 - $184	17%
Managed Health Services [1302]	$158	17%
Medicare (plans)	$960 - $1,056	104%
Managed Care [2000]	$1,439 - $4,106	155%
Workers Comp [1172]	$1,919	207%
Blue Cross Blue Shield	$2,320 - $3,773	250%
Unicare [1150]	$3,773	407%
Commercial [2001]	$4,106	443%

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 $3,146.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 43239.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Franciscan Health Indianapolis is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 43239.
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.