CMS Price Transparency Data

Digestive disorders treatment (inpatient stay)

Facility: Murray-Calloway County Hospital

Billing Code: 392 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 392
Insurance Median: $6,910
Cash Discount Price: $17,557
vs. Medicare Baseline: 1.22x Medicare

The contracted insurance negotiated median rate for a Digestive disorders treatment (inpatient stay) at Murray-Calloway County Hospital is $6,910. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $17,557. Compared to the federal Medicare reimbursement reference rate of $5,675.87, this hospital’s rate is 1.22x the Medicare baseline. Located in 803 Poplar Street, Murray, KY.

Cash / Self-Pay

$17,557

Average discount available for prompt cash payment at this facility.

Insurance Median

$6,910

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: $17,557 (309%)

Insurance Median: $6,910 (122%)

Cash: $17,557 (309% of Medicare)

Ins. Median: $6,910 (122% 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
Aetna	$4,969	88%
Wellcare Health Plan Inc	$4,969	88%
Blue Cross Blue Shield	$5,226 - $5,980	92%
Humana	$5,226 - $17,722	92%
Tricare	$5,226	92%
Triwest - All Plans	$5,226	92%
Coventry Cares Of Ky - All Plans	$5,231	92%
Medicaid / KanCare	$5,231	92%
Passport Health - All Plans	$5,231	92%
Wellcare Mcr Adv	$5,331	94%
Health Cost Solutions - All Plans	$7,840	138%
Medben Mcch Employees	$8,885	157%
Bluegrass - All Plans	$9,000	159%
Occunet - All Plans	$9,146	161%
Ambetter / Centene	$9,669	170%
UnitedHealthcare	$13,829	244%
Medben City Of Murray - All Other Plans	$16,206	286%
Center Care - All Plans	$19,448	343%
Three Rivers - All Plans	$21,608	381%
First Health - All Plans	$24,310	428%
Healthsmart - All Plans	$24,310	428%
Multiplan - All Plans	$24,310	428%
Corvel Corporation - All Plans	$27,011	476%

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 $17,557.
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 Murray-Calloway County Hospital 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.