Gallbladder removal (laparoscopic)
Facility: Clay County Medical Center
Billing Code: 47562 (CPT)
- CPT Billing Code: 47562
- Insurance Median: $1,269
- Cash Discount Price: $1,365
- vs. Medicare Baseline: 0.21x 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 |
|---|---|---|
| Health Partners - All Plans | $75 - $1,296 | 1% |
| Multiplan- All Plans | $593 - $1,296 | 10% |
| UnitedHealthcare | $753 - $1,296 | 12% |
| Aetna | $1,269 | 21% |
| Wppa/Providrs Care- All Plans | $1,269 | 21% |
Consumer Guidance & Cost Commentary
For the gallbladder removal (laparoscopic) procedure at Clay County Medical Center in Clay Center, KS, the cash price is $1,365.00, which matches the facility's cash median. While the Medicare benchmark for this service is $6,176.47, commercial insurance negotiated rates vary significantly by payer, ranging from $75 to $1,296 across five payers. Notably, the lowest negotiated rate of $75 is substantially lower than the cash price, suggesting that for patients with high-deductible plans, paying out-of-pocket might not be the most cost-effective option if their insurance allows a lower allowed amount. However, patients should verify their specific plan's deductible status and allowed amounts before deciding, as some commercial rates may exceed the cash price depending on the insurer.
To ensure you receive the most accurate billing, it is crucial to request an itemized bill before settling any debt, as over 80% of hospital bills contain errors such as double-billing or unbundled codes. Additionally, if you are an out-of-network patient, the No Surprises Act may protect you from balance billing for emergency care or non-emergency services at in-network facilities, though you should dispute any unexpected charges immediately rather than paying them out of fear of credit damage. Finally, ask the facility directly about "self-pay" or "prompt-pay" discounts, which can reduce the final cost by 20% to 50% if you pay in full upfront, bypassing the administrative costs associated with insurance claims processing.