CMS Price Transparency Data

Digestive disorders treatment (inpatient stay)

Facility: Baptist Health Hardin

Billing Code: 392 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 392
Insurance Median: $9,614
Cash Discount Price: $25,440
vs. Medicare Baseline: 1.69x Medicare

The contracted insurance negotiated median rate for a Digestive disorders treatment (inpatient stay) at Baptist Health Hardin is $9,614. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $25,440. Compared to the federal Medicare reimbursement reference rate of $5,675.87, this hospital’s rate is 1.69x the Medicare baseline. Located in 913 North Dixie Avenue, Elizabethtown, KY.

Cash / Self-Pay

$25,440

Average discount available for prompt cash payment at this facility.

Insurance Median

$9,614

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5,675.87

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5,675.87 (100%)

Cash / Self-Pay: $25,440 (448%)

Insurance Median: $9,614 (169%)

Cash: $25,440 (448% of Medicare)

Ins. Median: $9,614 (169% of 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.

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
Wellcare Mcaid	$4,198 - $6,286	74%
Aetna	$4,535 - $21,402	80%
Blue Cross Blue Shield	$4,825 - $33,920	85%
Humana	$4,825 - $12,558	85%
Molina Mcaid - All Plans	$4,825 - $5,029	85%
UnitedHealthcare	$4,825 - $69,209	85%
Sig Advantage - All Plans	$5,244	92%
Wellcare Mcr Adv - All Other Plans	$5,244 - $5,585	92%
Wellmark Mcr Adv - All Plans	$5,244 - $5,585	92%
Signature Adv - All Plans	$5,585	98%
Phcs-All Plans	$5,913 - $25,588	104%
Cigna	$7,790 - $9,701	137%
Siho Exclus Ntwrk	$7,796	137%
Siho Dual Ntwrk	$9,355	165%
Caresource-All Plans	$9,440 - $11,101	166%
Healthlink-All Plans	$9,564 - $9,664	169%
Siho Ppo - All Other Plans	$10,914	192%
Siho-All Plans	$10,914	192%
Center Care - All Plans	$12,198	215%
Encore Preferred	$17,129	302%
Multiplan-All Plans	$26,797 - $27,606	472%
Center Care-All Plans	$29,029	511%
Encore Ppo - All Other Plans	$29,137	513%

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 $25,440.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify MS-DRG Code matches exactly: 392.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Baptist Health Hardin is fully in-network.
Ask your insurer if "Prior Authorization" is required for MS-DRG code 392.
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.