CMS Price Transparency Data

Digestive disorders treatment (inpatient stay)

Facility: McLaren Macomb

Billing Code: 392 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 392
Insurance Median: $7,227
Cash Discount Price: $12,096
vs. Medicare Baseline: 1.27x Medicare

The contracted insurance negotiated median rate for a Digestive disorders treatment (inpatient stay) at McLaren Macomb is $7,227. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $12,096. Compared to the federal Medicare reimbursement reference rate of $5,675.87, this hospital’s rate is 1.27x the Medicare baseline. Located in 1000 Harrington St, Mount Clemens, MI.

Cash / Self-Pay

$12,096

Average discount available for prompt cash payment at this facility.

Insurance Median

$7,227

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: $12,096 (213%)

Insurance Median: $7,227 (127%)

Cash: $12,096 (213% of Medicare)

Ins. Median: $7,227 (127% 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
Aetna	$3,509 - $9,766	62%
Priority Health	$5,024 - $7,227	89%
Tricare	$5,196 - $5,484	92%
Humana	$5,395 - $5,408	95%
Medicare (plans)	$6,280 - $11,821	111%
Mi Amish Medical Board	$8,080 - $8,497	142%
Blue Cross Blue Shield	$9,448 - $15,060	166%
UnitedHealthcare	$10,715	189%

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 $12,096.
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 Macomb 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.