CMS Price Transparency Data

CT scan, abdomen and pelvis (no contrast)

Facility: Charlevoix Area Hospital

Billing Code: 74176 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 74176
Insurance Median: $240
Cash Discount Price: $1,985
vs. Medicare Baseline: 0.98x Medicare

The contracted insurance negotiated median rate for a CT scan, abdomen and pelvis (no contrast) at Charlevoix Area Hospital is $240. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,985. Compared to the federal Medicare reimbursement reference rate of $243.77, this hospital’s rate is 0.98x the Medicare baseline. Located in 14700 Lakeshore Drive, Charlevoix, MI.

Cash / Self-Pay

$1,985

Average discount available for prompt cash payment at this facility.

Insurance Median

$240

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$243.77

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $243.77 (100%)

Cash / Self-Pay: $1,985 (814%)

Insurance Median: $240 (98%)

Cash: $1,985 (814% of Medicare)

Ins. Median: $240 (98% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $243.77 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
Mclaren Health Plan	$52 - $2,174	21%
Meridian	$52 - $168	21%
Priority Health	$52 - $2,335	21%
UnitedHealthcare	$52 - $2,029	21%
Blue Cross Blue Shield	$53 - $2,157	22%
Aetna	$78 - $2,109	32%
Blue Care Network	$78 - $1,097	32%
Hap (Health Alliance Plan)	$78 - $1,868	32%
Medicare (plans)	$78 - $1,097	32%
Michigan Amish Medical Board	$78 - $1,097	32%
Molina	$78 - $1,185	32%
Northern Michigan Mennonite Group	$78 - $1,097	32%
Asr Physicians Care Network	$118 - $1,868	48%
Cigna	$123 - $2,335	50%
Nomi Health	$126 - $2,172	52%
Employee Benefits Logistics	$133 - $1,866	55%
Provider Network Of America/Hma Group Health	$334 - $1,985	137%
Hospice Of Michigan	$1,401	575%
Enterprise Group Planning Employee Benefit Plan	$1,868	766%
First Health/Coventry Health/Community Care Network	$1,868	766%
Medical Cost Savings Solution	$1,868	766%
Three Rivers Provider Network	$1,985	814%
Iba Health And Life Assurance Company	$2,148	881%
Cofinity	$2,172	891%
Preferred Medical Claim Solutions	$2,218	910%

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 $1,985.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 74176.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Charlevoix Area Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 74176.
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.