CMS Price Transparency Data

Digestive disorders treatment (inpatient stay)

Facility: Bell Hospital

Billing Code: 392 (MS-DRG)

Factual Cost Summary (Answer Capsule)
  • CPT Billing Code: 392
  • Insurance Median: $2,667
  • Cash Discount Price: $2,528
  • vs. Medicare Baseline: 0.47x Medicare
The contracted insurance negotiated median rate for a Digestive disorders treatment (inpatient stay) at Bell Hospital is $2,667. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $2,528. Compared to the federal Medicare reimbursement reference rate of $5,675.87, this hospital’s rate is 0.47x the Medicare baseline. Located in 901 Lakeshore Drive, Ishpeming, MI.
Cash / Self-Pay
$2,528

Average discount available for prompt cash payment at this facility.

Insurance Median
$2,667

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: $2,528 (45%)
Insurance Median: $2,667 (47%)
Cash: $2,528 (45% of Medicare)
Ins. Median: $2,667 (47% 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.

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
Advantra $2,667 47%
Advocare $2,667 47%
Alliance $2,667 47%
Blue Cross Blue Shield $2,667 47%
Cigna $2,667 47%
Essence $2,667 47%
Freedom Health $2,667 47%
Healthplus $2,667 47%
Humana $2,667 47%
Kaiser $2,667 47%
Medicare (plans) $2,667 47%
Network Health $2,667 47%
Optimum $2,667 47%
Plus Blue $2,667 47%
Priority Health $2,667 47%
Pyramid $2,667 47%
Secure Horizons $2,667 47%
Todays Options $2,667 47%
Tricare $2,667 47%
Ucare $2,667 47%
Unicare $2,667 47%
UnitedHealthcare $2,667 47%
Uphp $2,667 47%
Aetna $2,694 47%

Self-Pay Upfront Cash Action Plan

Insurance In-Network Protection Plan

Facility Profile & Credentials

  • Address: 901 Lakeshore Drive, Ishpeming, MI 49849
  • CMS Rating: No CMS Rating
  • Ownership Type: Proprietary
  • Hospital Type: Critical Access Hospitals