CMS Price Transparency Data

Cataract surgery with lens implant

Facility: McLaren Bay Region

Billing Code: 66984 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 66984
Insurance Median: $1,248
Cash Discount Price: $1,960
vs. Medicare Baseline: 0.53x Medicare

The contracted insurance negotiated median rate for a Cataract surgery with lens implant at McLaren Bay Region is $1,248. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,960. Compared to the federal Medicare reimbursement reference rate of $2,357.81, this hospital’s rate is 0.53x the Medicare baseline. Located in 1900 Columbus Ave, Bay City, MI.

Cash / Self-Pay

$1,960

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,248

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$2,357.81

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $2,357.81 (100%)

Cash / Self-Pay: $1,960 (83%)

Insurance Median: $1,248 (53%)

Cash: $1,960 (83% of Medicare)

Ins. Median: $1,248 (53% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $2,357.81 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.

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	$344 - $1,285	15%
Humana	$447 - $2,224	19%
Medicare (plans)	$447 - $3,559	19%
U Of M Health Plan	$514	22%
Aetna	$700	30%
Mclaren Commercial Ins	$738	31%
Priority Health	$776	33%
UnitedHealthcare	$823	35%
Blue Cross Blue Shield	$859 - $3,585	36%
Mi Amish Medical Board	$2,224	94%
Tricare	$2,235	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 $1,960.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 66984.

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 66984.
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.