CMS Price Transparency Data

Inguinal hernia repair

Facility: McLaren Northern Michigan

Billing Code: 49505 (CPT)

The BaseRate · fair price high confidence

A fair price for this

$748

about 0.2× the $3,658 Medicare rate · typically $558–$1,550

modeled estimate · not a bill or quote

What this hospital charges insurers

$792

About the fair price

about $44 over the fair price · 0.2× Medicare

Medicare pays $3,658 Fair price $748 This hospital $792 Cash price $3,334 Hospital's list price $6,668

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 $484 Priciest $792

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

⚠ The cash price looks unusually high next to the insurance price — it may be the full list price, not a real cash discount. Call to confirm the self-pay rate.

A fair price for a Inguinal hernia repair is about $748 (about 0.2× the $3,658 Medicare rate). McLaren Northern Michigan charges insurers about $792, or about $3,334 in cash — about the fair price. Located in Petoskey, MI.

What each insurance company pays

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

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

✓ UnitedHealthcare✓ Blue Cross Blue Shield✓ Aetna✓ Humana CignaKaiser 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
UnitedHealthcaremajor	$781	21%
Blue Cross Blue Shieldmajor	$849 - $4,362	23%
Aetnamajor	$676	18%
Humanamajor	$501 - $3,442	14%
Priority Health	$802	22%
+ 3 smaller / regional plans	$531 - $3,442

Government programs also on file: Medicare, Medicaid, 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 3,334), 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 CPT code on your bill matches exactly: 49505.

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 CPT code 49505.
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: Inguinal hernia repair at other MI hospitals

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