CMS Price Transparency Data

Blood transfusion

Facility: McLaren Bay Region

Billing Code: 36430 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 36430
Insurance Median: $243
Cash Discount Price: $2,550
vs. Medicare Baseline: 0.54x Medicare

The contracted insurance negotiated median rate for a Blood transfusion at McLaren Bay Region is $243. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,550. Compared to the federal Medicare reimbursement reference rate of $450.73, this hospital’s rate is 0.54x the Medicare baseline. Located in 1900 Columbus Ave, Bay City, MI.

Cash / Self-Pay

$2,550

Average discount available for prompt cash payment at this facility.

Insurance Median

$243

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$450.73

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $450.73 (100%)

Cash / Self-Pay: $2,550 (566%)

Insurance Median: $243 (54%)

Cash: $2,550 (566% of Medicare)

Ins. Median: $243 (54% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $450.73 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
Mclaren Commercial Ins	$43	10%
Humana	$44 - $426	10%
Medicare (plans)	$44 - $682	10%
UnitedHealthcare	$48 - $1,190	11%
Aetna	$49 - $4,165	11%
U Of M Health Plan	$50	11%
Priority Health	$66 - $1,799	15%
Blue Cross Blue Shield	$69 - $310	15%
Medicaid / KanCare	$239 - $246	53%
Mi Amish Medical Board	$426	95%
Tricare	$428	95%

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 $2,550.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 36430.

Insurance In-Network Protection Plan

Contact your insurance company to confirm McLaren Bay Region is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 36430.
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.