CMS Price Transparency Data

Colonoscopy (diagnostic)

Facility: Mount Desert Island Hospital

Billing Code: 45378 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45378
Insurance Median: $3,073
Cash Discount Price: $4,424
vs. Medicare Baseline: 3.23x Medicare

The contracted insurance negotiated median rate for a Colonoscopy (diagnostic) at Mount Desert Island Hospital is $3,073. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,424. Compared to the federal Medicare reimbursement reference rate of $950.1, this hospital’s rate is 3.23x the Medicare baseline. Located in 10 Wayman Lane, Bar Harbor, ME.

Cash / Self-Pay

$4,424

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,073

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$950.1

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $950.1 (100%)

Cash / Self-Pay: $4,424 (466%)

Insurance Median: $3,073 (323%)

Cash: $4,424 (466% of Medicare)

Ins. Median: $3,073 (323% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $950.1 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 323% of the Medicare baseline (a markup of 223%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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
Cigna	$2,212 - $4,572	233%
Aetna	$2,212 - $4,498	233%
UnitedHealthcare	$2,212 - $2,950	233%
Martins Point	$2,212	233%
Wellcare	$2,212	233%
Blue Cross Blue Shield	$2,212 - $3,825	233%
Healthnet	$3,195	336%
Community Health Options	$4,179	440%
Harvard Pilgrim	$4,449	468%
First Health	$4,670	492%

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 $4,424.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 45378.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Mount Desert Island Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 45378.
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.