CMS Price Transparency Data

Gallbladder removal (laparoscopic)

Facility: McLaren Northern Michigan

Billing Code: 47562 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 47562
Insurance Median: $3,191
Cash Discount Price: $4,359
vs. Medicare Baseline: 0.52x Medicare

The contracted insurance negotiated median rate for a Gallbladder removal (laparoscopic) at McLaren Northern Michigan is $3,191. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,359. Compared to the federal Medicare reimbursement reference rate of $6,176.47, this hospital’s rate is 0.52x the Medicare baseline. Located in 416 Connable Ave, Petoskey, MI.

Cash / Self-Pay

$4,359

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,191

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$6,176.47

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $6,176.47 (100%)

Cash / Self-Pay: $4,359 (71%)

Insurance Median: $3,191 (52%)

Cash: $4,359 (71% of Medicare)

Ins. Median: $3,191 (52% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $6,176.47 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	$427 - $3,287	7%
Humana	$626 - $5,690	10%
Medicare (plans)	$626 - $9,104	10%
U Of M Health Plan	$719	12%
Mclaren Commercial Ins	$761	12%
Aetna	$853	14%
UnitedHealthcare	$991	16%
Priority Health	$1,010	16%
Blue Cross Blue Shield	$1,068 - $5,769	17%
Tricare	$5,145	83%
Mi Amish Medical Board	$5,690	92%

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 $4,359.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 47562.

Insurance In-Network Protection Plan

Contact your insurance company to confirm McLaren Northern Michigan is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 47562.
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.