CMS Price Transparency Data

Cataract surgery with lens implant

Facility: Franciscan Health Munster

Billing Code: 66984 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 66984
Insurance Median: $5,904
Cash Discount Price: $3,124
vs. Medicare Baseline: 2.50x Medicare

The contracted insurance negotiated median rate for a Cataract surgery with lens implant at Franciscan Health Munster is $5,904. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,124. Compared to the federal Medicare reimbursement reference rate of $2,357.81, this hospital’s rate is 2.50x the Medicare baseline. Located in 701 Superior Ave, Munster, IN.

Cash / Self-Pay

$3,124

Average discount available for prompt cash payment at this facility.

Insurance Median

$5,904

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: $3,124 (132%)

Insurance Median: $5,904 (250%)

Cash: $3,124 (132% of Medicare)

Ins. Median: $5,904 (250% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 250% of the Medicare baseline (a markup of 150%). 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
Medicare (plans)	$2,442	104%
Mdwise [1175]	$4,316	183%
Medicaid / KanCare	$4,316 - $5,179	183%
Managed Health Services [1302]	$4,449	189%
Workers Comp [1172]	$4,883	207%
Blue Cross Blue Shield	$5,904 - $8,258	250%
Unicare [1150]	$8,258	350%
Commercial [2001]	$10,106	429%
Managed Care [2000]	$10,106	429%

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 $3,124.
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 Franciscan Health Munster 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.