Gallbladder removal (laparoscopic)
Facility: Nemaha Valley Community Hospital
Billing Code: 47562 (CPT)
- CPT Billing Code: 47562
- Insurance Median: $706
- Cash Discount Price: $1,858
- vs. Medicare Baseline: 0.11x 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 $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.
Commercial Insurance Negotiated Rates
Negotiated contract ranges established by major commercial carriers at this facility.
| Carrier / Plan Group | Contract Rate Range | vs. Medicare Reference |
|---|---|---|
| Va Ccn - All Plans | $568 | 9% |
| Humana | $568 | 9% |
| Aetna | $574 - $786 | 9% |
| Celtic Comm Exch - All Plans | $597 | 10% |
| Partners Direct Health - All Plans | $625 | 10% |
| Blue Cross Blue Shield | $1,030 | 17% |
| Health Partners - All Plans | $1,077 | 17% |
| Multiplan - All Plans | $1,238 | 20% |
| Midlands Choice - All Plans | $1,439 | 23% |
Consumer Guidance & Cost Commentary
For the gallbladder removal (laparoscopic) procedure at Nemaha Valley Community Hospital in Seneca, KS, the facility's cash median rate of $1,858 is notably higher than the state average of $1,238. While commercial insurance negotiates a median paid amount of $1,238, which aligns with the state average, patients should be aware that cash payments can sometimes be more cost-effective if their specific insurance plan's negotiated rate exceeds the cash price. The facility offers a self-pay classification, and patients are encouraged to ask directly about prompt-pay discounts, which can reduce the final bill by 20% to 50% when paid in full upfront, bypassing the administrative overhead associated with insurance claims processing.
When reviewing your final invoice, it is critical to request a detailed itemized bill rather than accepting a summary statement, as over 80% of hospital bills contain errors such as unbundled codes or charges for services not rendered. To ensure you are paying a fair price, compare the facility's rates against the Medicare benchmark of $6,176.47; while the facility's gross charge is $2,064, the commercial negotiated rate of $706 represents a significant markup relative to the Medicare baseline. If you receive a balance bill for out-of-network services, remember that the No Surprises Act prohibits providers from charging you the difference between their chargemaster rate and your insurance allowed amount for emergency care or non-emergency services at in-network facilities.