Digestive disorders treatment (inpatient stay)
Facility: Mcpherson Hospital
Billing Code: 392 (MS-DRG)
- CPT Billing Code: 392
- Insurance Median: $5,731
- Cash Discount Price: $9,193
- vs. Medicare Baseline: 1.01x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. Medicare
Understanding this gauge: We use the federal Medicare rate of $5,675.87 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.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Medicaid / KanCare | $3,495 | 62% |
| UnitedHealthcare | $3,495 - $9,690 | 62% |
| Health Blue Mcaid - All Other Plans | $3,565 | 63% |
| Tricare | $4,386 | 77% |
| Humana | $4,984 | 88% |
| Wellcare Mcr Adv - All Plans | $4,984 | 88% |
| Aetna | $4,984 - $10,249 | 88% |
| Va Ccn - All Plans | $4,984 | 88% |
| Blue Cross Blue Shield | $4,984 | 88% |
| Ambetter / Centene | $5,731 | 101% |
| Wppa - All Plans | $7,578 | 134% |
| Medical Associates - All Plans | $9,317 | 164% |
| Central Plains - All Plans | $9,317 | 164% |
| Christian Health Aid - All Plans | $9,938 | 175% |
| Multiplan - All Plans | $11,180 | 197% |
| Health Partners - All Plans | $11,802 | 208% |
| First Health - All Plans | $11,802 | 208% |
| Cigna | $11,802 | 208% |
Consumer Guidance & Cost Commentary
For the June 2026 billing cycle at McPherson Hospital in McPherson, Kansas, the average negotiated payment for this inpatient digestive disorder treatment is $10,093, while the cash price is $9,193. This cash rate is significantly lower than the facility's gross charge of $12,423, illustrating how commercial insurance contracts often result in higher net costs for patients compared to self-pay options. Although the facility's negotiated rate is higher than its cash price, patients with high-deductible plans may find paying the cash rate upfront more beneficial, as it avoids the administrative overhead and potential out-of-pocket maximums associated with insurance claims. To secure the lowest possible cost, patients should explicitly request "self-pay" or "prompt-pay" discounts before scheduling, as these upfront incentives can bypass the standard insurance billing cycle and reduce the total amount owed.
The facility's pricing structure is anchored by a Medicare benchmark of $5,676, which serves as the objective baseline for evaluating commercial rate markups. While the facility's negotiated rate of $5,731 is only slightly above this benchmark, the gross charges listed on the hospital's chargemaster can be misleading if used as a comparison point; patients should ignore the full list price and focus on the Medicare rate to understand the true cost of care. With 18 different payers participating, including Medicaid/KanCare and UnitedHealthcare, the range of negotiated payments varies widely, with the lowest allowed amount being $3,495 and the highest reaching $11,802. Because over 80% of hospital bills contain errors, patients should always request a detailed, item