CMS Price Transparency Data

Inguinal hernia repair

Facility: Holyoke Medical Center

Billing Code: 49505 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 49505
Insurance Median: $4,032
Cash Discount Price: $3,066
vs. Medicare Baseline: 1.10x Medicare

The contracted insurance negotiated median rate for a Inguinal hernia repair at Holyoke Medical Center is $4,032. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,066. Compared to the federal Medicare reimbursement reference rate of $3,657.95, this hospital’s rate is 1.10x the Medicare baseline. Located in 575 Beech Street, Holyoke, MA.

Cash / Self-Pay

$3,066

Average discount available for prompt cash payment at this facility.

Insurance Median

$4,032

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$3,657.95

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $3,657.95 (100%)

Cash / Self-Pay: $3,066 (84%)

Insurance Median: $4,032 (110%)

Cash: $3,066 (84% of Medicare)

Ins. Median: $4,032 (110% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $3,657.95 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	$1,512 - $4,459	41%
Aetna	$3,716	102%
Blue Cross Blue Shield	$3,716 - $4,752	102%
Health New England	$3,716 - $4,404	102%
Tufts Health Plan	$3,716 - $6,137	102%
UnitedHealthcare	$3,716 - $4,032	102%
Commonwealth Care Alliance	$3,901	107%
Wellsense Sco	$3,938	108%
Wellcare	$3,975	109%
Fallon	$3,976 - $4,404	109%
Harvard Pilgrim	$4,032	110%
Senior Whole Health	$4,273	117%
Bmchp	$4,404	120%
Cigna	$4,780	131%
Wellsense Direct Metals Silver	$5,505	150%

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 $3,066.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 49505.

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 49505.
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.