CMS Price Transparency Data

Digestive disorders treatment (inpatient stay)

Facility: McLaren Bay Region

Billing Code: 392 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 392
Insurance Median: $5,877
Cash Discount Price: $9,622
vs. Medicare Baseline: 1.04x Medicare

The contracted insurance negotiated median rate for a Digestive disorders treatment (inpatient stay) at McLaren Bay Region is $5,877. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $9,622. Compared to the federal Medicare reimbursement reference rate of $5,675.87, this hospital’s rate is 1.04x the Medicare baseline. Located in 1900 Columbus Ave, Bay City, MI.

Cash / Self-Pay

$9,622

Average discount available for prompt cash payment at this facility.

Insurance Median

$5,877

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5,675.87

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5,675.87 (100%)

Cash / Self-Pay: $9,622 (170%)

Insurance Median: $5,877 (104%)

Cash: $9,622 (170% of Medicare)

Ins. Median: $5,877 (104% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $5,675.87 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
UnitedHealthcare	$3,924	69%
Humana	$5,305	93%
Tricare	$5,773	102%
Medicare (plans)	$5,870 - $9,392	103%
Mi Amish Medical Board	$6,750	119%
Blue Cross Blue Shield	$7,683	135%
Priority Health	$10,085	178%

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 $9,622.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify MS-DRG Code matches exactly: 392.

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 MS-DRG code 392.
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.