CMS Price Transparency Data

Hospital observation (per hour)

Facility: Insight Hospital and Medical Center Coldwater

Billing Code: G0378 (HCPCS)

The BaseRate · fair price low confidence

A fair price for this

$111

modeled fair price · typically $48–$761

modeled estimate · not a bill or quote

What this hospital charges insurers

$68

Below the fair price — a good deal

about $43 under the fair price

Fair price $111 This hospital $68 Cash price $78 Hospital's list price $97

How we calculate the fair BaseRate →

How this hospital compares to other MI hospitals

Highest price of the 9 MI hospitals we have prices for — worth calling around.

Cheapest $22 Priciest $68

Black dot = this hospital, among the 9 MI hospitals with a price for this procedure. Full list below.

A fair price for a Hospital observation (per hour) is about $111. Insight Hospital and Medical Center Coldwater charges insurers about $68, or about $78 in cash — below the fair price — a good deal. Located in Coldwater, MI.

What each insurance company pays

Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.

4 of 6 major insurers have a published price at this hospital

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Humana CignaKaiser Permanente

Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.

Insurance company	Price range	vs. Medicare
UnitedHealthcaremajor	$68	—
Blue Cross Blue Shieldmajor	$68	—
Aetnamajor	$68	—
Humanamajor	$68	—
Paramount	$68	—
+ 7 smaller / regional plans	$68

Government programs also on file: Medicare, Medicaid.

Excludes 4 rental-network / third-party entries (e.g. Multiplan, PHCS) — these are pricing networks, not insurers.

Self-Pay How to get the cash price

Tell the billing desk you want to be billed as self-pay — not through insurance — before your visit.
Ask for the cash / prompt-pay discount in writing, with the exact price (about 78), before you agree to anything.
Get it in writing that they won’t also bill your insurance, so the cash price is what you owe.
Check the HCPCS code on your bill matches exactly: G0378.

Insurance Before you use insurance

Call your insurance company to confirm Insight Hospital and Medical Center Coldwater is in-network.
Ask your insurer whether prior approval is required for HCPCS code G0378.
Confirm the doctor or provider is in-network too — not just the hospital building.
Check your Explanation of Benefits against the hospital’s final itemized bill.

Estimate your out-of-pocket cost

A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.

How you’d pay

Deductible left to meet ($)

Your coinsurance (%)

Enter your details and press estimate to compare.

Other Procedures at Insight Hospital and Medical Center Coldwater

Compare: Hospital observation (per hour) at other MI hospitals

Insurance negotiated median for the same procedure, sorted lowest first.