CMS Price Transparency Data

Gallbladder removal (laparoscopic)

Facility: Charlevoix Area Hospital

Billing Code: 47562 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 47562
Insurance Median: $634
Cash Discount Price: Unavailable
vs. Medicare Baseline: 0.10x Medicare

The contracted insurance negotiated median rate for a Gallbladder removal (laparoscopic) at Charlevoix Area Hospital is $634. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is unavailable. Compared to the federal Medicare reimbursement reference rate of $6,176.47, this hospital’s rate is 0.10x the Medicare baseline. Located in 14700 Lakeshore Drive, Charlevoix, MI.

Cash / Self-Pay

Unavailable

Average discount available for prompt cash payment at this facility.

Insurance Median

$634

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$6,176.47

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $6,176.47 (100%)

Insurance Median: $634 (10%)

Ins. Median: $634 (10% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $6,176.47 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
Blue Cross Blue Shield	$195 - $4,266	3%
Mclaren Health Plan	$427 - $4,266	7%
Meridian	$427 - $4,266	7%
Priority Health	$427 - $4,266	7%
UnitedHealthcare	$427 - $4,266	7%
Aetna	$626	10%
Blue Care Network	$626	10%
Hap (Health Alliance Plan)	$626 - $9,077	10%
Medicare (plans)	$626	10%
Michigan Amish Medical Board	$626	10%
Molina	$626	10%
Northern Michigan Mennonite Group	$626	10%
Asr Physicians Care Network	$938	15%
Nomi Health	$1,001	16%
Employee Benefits Logistics	$1,063	17%
Cigna	$1,217	20%
Provider Network Of America/Hma Group Health	$8,472	137%

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 $X.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 47562.

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 47562.
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.