CMS Price Transparency Data

Upper endoscopy with biopsy

Facility: McKenzie Health System

Billing Code: 43239 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 43239
Insurance Median: $305
Cash Discount Price: $409
vs. Medicare Baseline: 0.33x Medicare

The contracted insurance negotiated median rate for a Upper endoscopy with biopsy at McKenzie Health System is $305. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $409. Compared to the federal Medicare reimbursement reference rate of $926.63, this hospital’s rate is 0.33x the Medicare baseline. Located in 120 N Delaware Street, Sandusky, MI.

Cash / Self-Pay

$409

Average discount available for prompt cash payment at this facility.

Insurance Median

$305

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$926.63

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $926.63 (100%)

Cash / Self-Pay: $409 (44%)

Insurance Median: $305 (33%)

Cash: $409 (44% of Medicare)

Ins. Median: $305 (33% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $926.63 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	$87 - $235	9%
Medicare (plans)	$128 - $333	14%
Aetna	$174 - $467	19%
Meritain	$174 - $467	19%
Blue_Care_Network	$218 - $601	24%
Blue_Cross	$218 - $601	24%
Priority_Health	$245 - $873	26%
Mclaren	$277 - $465	30%
Hap	$349	38%
United_Healthcare	$549	59%

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 $409.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 43239.

Insurance In-Network Protection Plan

Contact your insurance company to confirm McKenzie Health System is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 43239.
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.