CMS Price Transparency Data

Heart stent placement (inpatient stay)

Facility: McLaren Oakland

Billing Code: 322 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 322
Insurance Median: $19,288
Cash Discount Price: $33,405
vs. Medicare Baseline: 1.51x Medicare

The contracted insurance negotiated median rate for a Heart stent placement (inpatient stay) at McLaren Oakland is $19,288. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $33,405. Compared to the federal Medicare reimbursement reference rate of $12,807.1, this hospital’s rate is 1.51x the Medicare baseline. Located in 50 N Perry St, Pontiac, MI.

Cash / Self-Pay

$33,405

Average discount available for prompt cash payment at this facility.

Insurance Median

$19,288

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$12,807.1

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $12,807.1 (100%)

Cash / Self-Pay: $33,405 (261%)

Insurance Median: $19,288 (151%)

Cash: $33,405 (261% of Medicare)

Ins. Median: $19,288 (151% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $12,807.1 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
Humana	$12,242	96%
Medicare (plans)	$14,858 - $29,962	116%
Tricare	$19,751	154%
Mi Amish Medical Board	$21,535	168%
UnitedHealthcare	$51,401	401%
Blue Cross Blue Shield	$53,163	415%

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 $33,405.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify MS-DRG Code matches exactly: 322.

Insurance In-Network Protection Plan

Contact your insurance company to confirm McLaren Oakland is fully in-network.
Ask your insurer if "Prior Authorization" is required for MS-DRG code 322.
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.