CMS Price Transparency Data

CT scan, sinuses

Facility: Insight Hospital and Medical Center Coldwater

Billing Code: 70486 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 70486
Insurance Median: $1,323
Cash Discount Price: $1,086
vs. Medicare Baseline: 12.39x Medicare

The contracted insurance negotiated median rate for a CT scan, sinuses at Insight Hospital and Medical Center Coldwater is $1,323. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,086. Compared to the federal Medicare reimbursement reference rate of $106.81, this hospital’s rate is 12.39x the Medicare baseline. Located in 274 E Chicago St, Coldwater, MI.

Cash / Self-Pay

$1,086

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,323

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$106.81

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $106.81 (100%)

Cash / Self-Pay: $1,086 (1017%)

Insurance Median: $1,323 (1239%)

Cash: $1,086 (1017% of Medicare)

Ins. Median: $1,323 (1239% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $106.81 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 1239% of the Medicare baseline (a markup of 1139%). 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	$412 - $1,323	386%
Medicare (plans)	$412 - $1,323	386%
UnitedHealthcare	$412 - $1,323	386%
Aetna	$578 - $1,323	541%
Humana	$578 - $1,323	541%
Blue Cross Blue Shield	$1,323	1239%
Cofinity	$1,323	1239%
Frontpath	$1,323	1239%
Hap	$1,323	1239%
Health Alliance Plan	$1,323	1239%
Mclaren	$1,323	1239%
Multi-Plan	$1,323	1239%
Paramount Elite	$1,323	1239%
Paramount Hmo	$1,323	1239%
Paramount Ppo	$1,323	1239%
Phcs	$1,323	1239%
Php Northern Indiana	$1,323	1239%
Php Of Mid Michigan	$1,323	1239%
Priority	$1,323	1239%

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 $1,086.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 70486.

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 70486.
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.