CMS Price Transparency Data

Digestive disorders treatment (inpatient stay)

Facility: McLaren Northern Michigan

Billing Code: 392 (MS-DRG)

The BaseRate · fair price high confidence

A fair price for this

$5,330

about 0.9× the $5,676 Medicare rate · typically $4,123–$7,733

modeled estimate · not a bill or quote

What this hospital charges insurers

$7,730

Above the fair price

about $2,400 over the fair price · 1.4× Medicare

Medicare pays $5,676 Fair price $5,330 This hospital $7,730 Cash price $8,445 Hospital's list price $16,890

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 $5,277 Priciest $7,730

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

A fair price for a Digestive disorders treatment (inpatient stay) is about $5,330 (about 0.9× the $5,676 Medicare rate). McLaren Northern Michigan charges insurers about $7,730, or about $8,445 in cash — above the fair price. Located in Petoskey, MI.

This price is above the fair BaseRate — you may be able to pay less

Ask the hospital for the cash / self-pay price, check whether you qualify for financial assistance, or negotiate the bill down toward the fair price of about $5,330. Many patients pay well below the first number they’re quoted — the checklists below walk you through it.

What each insurance company pays

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

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

✓ Blue Cross Blue Shield✓ Aetna✓ Humana UnitedHealthcareCignaKaiser 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
Blue Cross Blue Shieldmajor	$11,455	202%
Aetnamajor	$14,533	256%
Humanamajor	$5,411	95%
Priority Health	$9,739	172%
+ 1 smaller / regional plan	$7,730

Government programs also on file: Medicare, Military & VA.

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 8,445), 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 MS-DRG code on your bill matches exactly: 392.

Insurance Before you use insurance

Call your insurance company to confirm McLaren Northern Michigan is in-network.
Ask your insurer whether prior approval is required for MS-DRG code 392.
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 McLaren Northern Michigan

Compare: Digestive disorders treatment (inpatient stay) at other MI hospitals

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