CMS Price Transparency Data

Breathing treatment (nebulizer)

Facility: Holyoke Medical Center

Billing Code: 94640 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 94640
Insurance Median: $241
Cash Discount Price: $237
vs. Medicare Baseline: 1.08x Medicare

The contracted insurance negotiated median rate for a Breathing treatment (nebulizer) at Holyoke Medical Center is $241. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $237. Compared to the federal Medicare reimbursement reference rate of $223.72, this hospital’s rate is 1.08x the Medicare baseline. Located in 575 Beech Street, Holyoke, MA.

Cash / Self-Pay

$237

Average discount available for prompt cash payment at this facility.

Insurance Median

$241

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$223.72

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $223.72 (100%)

Cash / Self-Pay: $237 (106%)

Insurance Median: $241 (108%)

Cash: $237 (106% of Medicare)

Ins. Median: $241 (108% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $223.72 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
Gic Unicare	$40	18%
Bmchp	$165	74%
Fallon	$165 - $252	74%
Health New England	$165 - $229	74%
Wellsense Direct Metals Silver	$206	92%
Tufts Health Plan	$217 - $240	97%
Aetna	$229	102%
Blue Cross Blue Shield	$229 - $309	102%
UnitedHealthcare	$229 - $291	102%
Commonwealth Care Alliance	$241	108%
Wellsense Sco	$243	109%
Wellcare	$245	110%
Cigna	$258	115%
Senior Whole Health	$263	118%
Tufts Health Public Plans	$275	123%
Harvard Pilgrim	$291	130%

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 $237.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 94640.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Holyoke Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 94640.
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.