CMS Price Transparency Data

CT scan, abdomen and pelvis (with contrast)

Facility: Insight Hospital and Medical Center Coldwater

Billing Code: 74177 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 74177
Insurance Median: $2,538
Cash Discount Price: $2,330
vs. Medicare Baseline: 7.12x Medicare

The contracted insurance negotiated median rate for a CT scan, abdomen and pelvis (with contrast) at Insight Hospital and Medical Center Coldwater is $2,538. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,330. Compared to the federal Medicare reimbursement reference rate of $356.43, this hospital’s rate is 7.12x the Medicare baseline. Located in 274 E Chicago St, Coldwater, MI.

Cash / Self-Pay

$2,330

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,538

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$356.43

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $356.43 (100%)

Cash / Self-Pay: $2,330 (654%)

Insurance Median: $2,538 (712%)

Cash: $2,330 (654% of Medicare)

Ins. Median: $2,538 (712% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $356.43 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 712% of the Medicare baseline (a markup of 612%). 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
Medicaid / KanCare	$1,100 - $2,538	309%
Medicare (plans)	$1,100 - $2,538	309%
UnitedHealthcare	$1,100 - $2,538	309%
Aetna	$1,540 - $2,538	432%
Humana	$1,540 - $2,538	432%
Blue Cross Blue Shield	$2,538	712%
Cofinity	$2,538	712%
Frontpath	$2,538	712%
Hap	$2,538	712%
Health Alliance Plan	$2,538	712%
Mclaren	$2,538	712%
Multi-Plan	$2,538	712%
Paramount Elite	$2,538	712%
Paramount Hmo	$2,538	712%
Paramount Ppo	$2,538	712%
Phcs	$2,538	712%
Php Northern Indiana	$2,538	712%
Php Of Mid Michigan	$2,538	712%
Priority	$2,538	712%

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 $2,330.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 74177.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Insight Hospital and Medical Center Coldwater is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 74177.
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.