CMS Price Transparency Data

Gallbladder removal (laparoscopic)

Facility: Holyoke Medical Center

Billing Code: 47562 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 47562
Insurance Median: $6,287
Cash Discount Price: $4,780
vs. Medicare Baseline: 1.02x Medicare

The contracted insurance negotiated median rate for a Gallbladder removal (laparoscopic) at Holyoke Medical Center is $6,287. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,780. Compared to the federal Medicare reimbursement reference rate of $6,176.47, this hospital’s rate is 1.02x the Medicare baseline. Located in 575 Beech Street, Holyoke, MA.

Cash / Self-Pay

$4,780

Average discount available for prompt cash payment at this facility.

Insurance Median

$6,287

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$6,176.47

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $6,176.47 (100%)

Cash / Self-Pay: $4,780 (77%)

Insurance Median: $6,287 (102%)

Cash: $4,780 (77% of Medicare)

Ins. Median: $6,287 (102% of 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.

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
Tufts Health Public Plans	$2,358 - $7,436	38%
Bmchp	$3,419	55%
Fallon	$3,419 - $6,816	55%
Health New England	$3,419 - $6,197	55%
Gic Unicare	$3,694	60%
Wellsense Direct Metals Silver	$4,274	69%
Tufts Health Plan	$5,956 - $6,197	96%
Aetna	$6,197	100%
Blue Cross Blue Shield	$6,197 - $7,410	100%
UnitedHealthcare	$6,197 - $6,507	100%
Harvard Pilgrim	$6,287	102%
Commonwealth Care Alliance	$6,507	105%
Wellsense Sco	$6,569	106%
Wellcare	$6,629	107%
Cigna	$7,034	114%
Senior Whole Health	$7,126	115%

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 $4,780.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 47562.

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 47562.
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.