How many shoppable procedure prices are published for Insight Hospital and Medical Center Coldwater?

Insight Hospital and Medical Center Coldwater in Coldwater, MI currently has 99 standardized procedure price records indexed from its public 45 CFR § 180 machine-readable file.

How do Insight Hospital and Medical Center Coldwater's commercial prices compare to the fair BaseRate?

Across scored shoppable procedures, Insight Hospital and Medical Center Coldwater's median negotiated commercial rate is 2.5× the regionally adjusted fair BaseRate benchmark.

What is Insight Hospital and Medical Center Coldwater's CMS Care Compare overall star rating?

CMS Care Compare assigns Insight Hospital and Medical Center Coldwater an overall hospital quality rating of 2 out of 5 stars based on public federal clinical and patient-experience measures.

Hospital Profile Acute Care Hospital Government - Local 75 Beds · rural Updated: 2025-07-25

Insight Hospital and Medical Center Coldwater

274 E Chicago St, Coldwater, MI 49036 · 99 Priced Procedures · 57% Patient Recommendation

CMS Overall Rating 2 / 5 Stars

High Markup · Shop Alternatives

2.54×vs. Fair Market Price

Typical commercial prices here are +154% above the fair benchmark (2.54×) even after accounting for local nurse/doctor wages and patient complexity.

67/100 · Caution

67/100Self-Pay Cash Beats Insurance 14% of the Time

File Completeness66

Price Logic63

Peer Alignment67

Clean Billing43

Real Cash Discount99

High-Markup · Check Safety

4-Star CMS clinical quality rating paired with 2.54× fair market pricing.

Behavioral Pricing FingerprintUpper-Quartile Spread · +39% Tail Jump

Wide Procedure Spread · Upper-Quartile Skew Pricer

Insight Hospital and Medical Center Coldwater prices routine shoppable procedures at 4.3× Medicare (median 2.39× Fair BaseRate) while upper-quartile commercial rates jump +39% to 3.33× Fair BaseRate. Self-pay cash discounts and comparing specific CPT procedure codes before scheduling yield the strongest savings.

#91 of 91 in MI · 98th State Percentile#3,258 of 3,385 in U.S. · 96th National Percentile

Advantage

Where They're Good (Patient & Payer Edge)

Bottom-quartile procedures (Q25) price at 1.51× the peer BaseRate benchmark
Self-pay cash beats commercial insurance on 14% of shoppable procedures (99/100 Cash Honesty)
2-Star CMS clinical rating with 57% patient recommendation (70/100 safety score)
Binding Good Faith Estimate rights under 45 CFR § 149.610 protect self-pay patients before scheduling

Watchout

Where You Can Get Burned (Markup Traps)

Outpatient surgery & OR suites carry a 2.4× markup over Medicare rates
Commercial insurance median sits at 2.39× Fair BaseRate (4.3× Medicare), so insured patients should always compare the self-pay cash price before paying.
Upper-quartile procedures (Q75 3.33×) jump +39% above the median procedure ratio (Q50 2.39×)
Consolidated metro market (HHI 10,000) limits in-network hospital competition (Highly Concentrated Monopoly (>2,500))

Front-Door ShoppableElective / Imaging

4.3× Medicare

Pre-scheduled outpatient procedures where patients can comparison-shop.

Back-Door Captive & ER0.28× Divergence

1.2× Medicare

Emergency, inpatient DRG, lab, and specialty drug lines billed after admission.

Quantile Tail Spread+39% Upper Tail

Q25 1.51× · Q50 2.39× · Q75 3.33×

Detects median-gaming when upper-quartile codes spike above the p50 median.

Select any lens to inspect department markups, federal cost accounting, or insurer discounts.

Department & Integrity Multiples (vs. CMS Medicare Cost Anchor) Green ≤1.3× · Teal 1.3–1.8× · Amber 1.8–2.5× · Rose >2.5×

Front-Door Shoppable CareFront-Door Shoppable

4.3× MedicareElevated

Outpatient Surgery & ORBack-Door Captive

2.4× MedicareFair

Diagnostic Imaging (CT/MRI)Front-Door Shoppable

6.1× MedicareWatchout

Back-Door Captive ER VisitsBack-Door Captive

6.2× MedicareWatchout

Inpatient Lab & PathologyBack-Door Captive

7.8× MedicareWatchout

Specialty & Infusion Drugs (J-Codes)Back-Door Captive

4.9× MedicareWatchout

Self-Pay Cash Honesty & 501(r)Integrity & Outcomes

14% Cash Edge · 99/100Good

CMS Clinical Safety & Star ValueIntegrity & Outcomes

2 CMS · 70/100Fair

Procedure Prices at Insight Hospital and Medical Center Coldwater

High-impact clinical procedures (MRIs, surgeries, inpatient stays, visits) are prioritized first. Use the category pills or search bar to filter all 99 published procedures.

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Audit a Bill & 501(r) Cap ↓

Procedure & Billing Code	Self-Pay Cash	This Hospital	Fair BaseRate	vs. Fair
Knee arthroscopy with meniscus repair CPT Code: `29881`	$6,800	$5,950	$3,372	unverified
C-section delivery (full package) CPT Code: `59510`	$6,000	$5,250	$2,975	1.8×
Inguinal hernia repair CPT Code: `49505`	$5,200	$4,550	$3,629	1.3×
Vaginal delivery (full package) CPT Code: `59400`	$4,400	$3,850	$2,680	1.4×
MRI, brain (with and without contrast) CPT Code: `70553`	$3,324	$3,577	$511	unverified
Sleep study (overnight, in lab) CPT Code: `95810`	$2,986	$2,985	$1,021	2.9×
Colonoscopy with biopsy CPT Code: `45380`	$3,040	$2,660	$1,256	2.1×
MRI, lower back (no contrast) CPT Code: `72148`	$2,530	$2,432	$338	7.2×
Colonoscopy (diagnostic) CPT Code: `45378`	$2,800	$2,450	$981	2.5×
Cataract surgery with lens implant CPT Code: `66984`	$2,800	$2,450	$2,540	1.0×
MRI, brain (no contrast) CPT Code: `70551`	$2,324	$2,317	$343	6.8×
CT scan, abdomen and pelvis (with contrast) CPT Code: `74177`	$2,330	$2,330	$448	5.2×
Upper endoscopy with biopsy CPT Code: `43239`	$2,560	$2,240	$987	2.3×
MRI, knee or other leg joint CPT Code: `73721`	$2,342	$2,174	$369	5.9×
CT scan, head (with and without contrast) CPT Code: `70470`	$2,231	$1,952	$258	unverified
CT scan, abdomen and pelvis (no contrast) CPT Code: `74176`	$1,917	$1,677	$303	5.5×
CT scan, head (with contrast) CPT Code: `70460`	$1,816	$1,589	$242	6.6×
CT scan, neck (cervical spine) CPT Code: `72125`	$1,724	$1,509	$169	8.9×
CT scan, pelvis CPT Code: `72192`	$1,643	$1,438	$163	unverified
Echocardiogram (heart ultrasound) CPT Code: `93306`	$1,547	$1,412	$583	2.4×
CT scan, sinuses CPT Code: `70486`	$1,086	$1,323	$166	8.0×
CT scan, chest (no contrast) CPT Code: `71250`	$1,190	$1,296	$167	7.8×
CT scan, lower back (lumbar spine) CPT Code: `72131`	$1,486	$1,301	$168	7.7×
Blood transfusion CPT Code: `36430`	$1,395	$1,221	$498	2.5×
CT scan, head (no contrast) CPT Code: `70450`	$1,075	$1,234	$160	unverified
Ultrasound, leg veins (duplex) CPT Code: `93970`	$1,034	$905	$272	3.3×
Ultrasound, pelvis CPT Code: `76856`	$738	$738	$130	unverified
Mental health services (therapy) HCPCS Code: `H0032`	$720	$630	$65	9.7×
Ultrasound, abdomen (complete) CPT Code: `76700`	$589	$589	$134	4.4×
Mental health services (assessment) HCPCS Code: `H0031`	$700	$613	$140	unverified
Ultrasound, abdomen (limited) CPT Code: `76705`	$477	$538	$126	4.3×
Ultrasound, thyroid and neck CPT Code: `76536`	$490	$429	$132	3.3×
Diagnostic mammogram (both breasts) CPT Code: `77066`	$504	$441	$148	3.0×
X-ray, lower back CPT Code: `72110`	$417	$365	$112	3.3×
Screening mammogram (both breasts) CPT Code: `77067`	$444	$389	$123	3.2×
X-ray, shoulder CPT Code: `73030`	$314	$274	$92	3.0×
X-ray, foot CPT Code: `73630`	$267	$274	$92	3.0×
X-ray, ankle CPT Code: `73610`	$267	$274	$93	2.9×
X-ray, neck (cervical spine) CPT Code: `72040`	$302	$265	$93	2.8×
X-ray, hand CPT Code: `73130`	$302	$265	$93	2.8×
Psychiatric evaluation (first visit) CPT Code: `90791`	$320	$280	$185	1.5×
X-ray, chest (two views) CPT Code: `71046`	$281	$246	$93	2.6×
Family therapy session CPT Code: `90847`	$280	$245	$173	1.4×
Behavioral health residential care HCPCS Code: `H0011`	$300	$263	$364	0.7×
Behavioral health day treatment HCPCS Code: `H0010`	$280	$245	$343	0.7×
X-ray, pelvis CPT Code: `72170`	$227	$199	$110	1.8×
Psychotherapy session (60 minutes) CPT Code: `90837`	$240	$210	$181	1.2×
Behavioral health counseling (group) HCPCS Code: `H0009`	$260	$228	$269	0.8×
Breathing treatment (nebulizer) CPT Code: `94640`	$227	$199	$201	1.0×
Behavioral health counseling (per session) HCPCS Code: `H0008`	$240	$210	$257	0.8×
X-ray, hip CPT Code: `73502`	$194	$170	$93	1.8×
Speech therapy (language evaluation) CPT Code: `92507`	$174	$152	$86	1.8×
X-ray, chest (single view) CPT Code: `71045`	$179	$156	$92	1.7×
New patient office visit (30-44 min) CPT Code: `99203`	$200	$175	$110	1.6×
Electrocardiogram (EKG, tracing only) CPT Code: `93005`	$142	$125	$64	2.0×
Psychotherapy session (45 minutes) CPT Code: `90834`	$160	$140	$166	0.8×
Electrocardiogram (ECG/EKG) CPT Code: `93000`	$100	$88	$25	3.5×
Physical therapy (manual therapy) CPT Code: `97140`	$102	$91	$34	2.7×
Physical therapy (neuromuscular re-education) CPT Code: `97112`	$115	$101	$38	2.7×
Physical therapy (therapeutic exercise) CPT Code: `97110`	$97	$83	$35	2.4×
Occupational therapy (self-care training) CPT Code: `97535`	$94	$83	$38	2.2×
Physical therapy (functional capacity test) CPT Code: `97750`	$94	$83	$38	2.2×
Occupational therapy (therapeutic activities) CPT Code: `97530`	$97	$83	$40	2.1×
Prosthetic fitting and training CPT Code: `97761`	$94	$83	$45	1.8×
Orthotic fitting and training CPT Code: `97760`	$94	$83	$51	1.6×
Office visit, established patient (20-29 min) CPT Code: `99213`	$119	$103	$87	1.2×
Office visit, established patient (30-39 min) CPT Code: `99214`	$149	$103	$123	0.8×
Behavioral health assessment HCPCS Code: `H0001`	$100	$88	$157	0.6×
Culture, bacterial CPT Code: `87070`	$110	$110	$9	12.2×
Blood test, comprehensive metabolic panel CPT Code: `80053`	$134	$134	$11	12.2×
Culture, blood CPT Code: `87040`	$110	$110	$11	10.0×
Blood test, vitamin D CPT Code: `82306`	$123	$123	$31	4.0×
Blood test, liver function panel CPT Code: `80076`	$74	$74	$9	8.2×
Blood test, cholesterol (lipid panel) CPT Code: `80061`	$95	$95	$14	6.8×
Blood test, basic metabolic panel CPT Code: `80048`	$119	$119	$9	unverified
Blood test, vitamin B12 CPT Code: `82607`	$91	$91	$16	5.7×
Blood test, amylase CPT Code: `82150`	$63	$63	$7	9.0×
Blood test, average blood sugar (A1c) CPT Code: `83036`	$61	$61	$10	6.1×
Blood test, ferritin (iron stores) CPT Code: `82728`	$82	$82	$14	5.9×
Blood test, PSA (prostate screen) CPT Code: `84153`	$101	$101	$19	5.3×
Blood test, thyroid (TSH) CPT Code: `84443`	$114	$114	$18	unverified
Blood test, complete blood count (CBC) CPT Code: `85025`	$62	$62	$8	7.8×
Physical therapy (gait training) CPT Code: `97116`	$89	$78	$33	2.4×
Hospital observation (per hour) HCPCS Code: `G0378`	$78	$68	$86	0.8×
Blood test, glucose (blood sugar) CPT Code: `82947`	$30	$30	$4	7.5×
Blood test, potassium CPT Code: `84132`	$37	$37	$5	7.4×
Blood test, lipase CPT Code: `83690`	$46	$46	$7	6.6×
Blood antibody screen CPT Code: `86850`	$73	$64	$46	1.4×
Blood test, clotting time (PTT) CPT Code: `85730`	$37	$37	$6	6.2×
Blood test, calcium CPT Code: `82310`	$29	$29	$5	5.8×
Blood test, creatinine (kidney) CPT Code: `82565`	$29	$29	$5	5.8×
Blood test, sodium CPT Code: `84295`	$29	$29	$5	5.8×
Hepatitis C antibody test CPT Code: `86803`	$46	$46	$15	3.1×
Urinalysis (automated, with microscopy) CPT Code: `81001`	$45	$45	$3	unverified
Blood test, clotting time (PT/INR) CPT Code: `85610`	$45	$45	$5	unverified
Blood test, hemoglobin CPT Code: `85018`	$17	$17	$3	5.7×
Blood test, magnesium CPT Code: `83735`	$37	$37	$7	5.3×
Blood test, urea nitrogen (BUN, kidney) CPT Code: `84520`	$17	$17	$4	4.3×
Community mental health services HCPCS Code: `H0038`	—	—	$16	unverified

Showing top 25 high-impact procedures of 99 total

Inline Bill X-Ray & 501(r) Calculator For-Profit Facility · Cash & Fair BaseRate Audit

Audit a Bill or Quote at Insight Hospital and Medical Center Coldwater (Zero PHI Required)

CMS CCN: 230022

CPT 29881

Select Procedure to Audit:

Fair BaseRate™ $3,372

Medicare Rate $3,343

Self-Pay Cash $6,800

Insurer Median $5,950

1. Amount on Your Bill or Quote ($) Pre-filled with Insight Hospital and Medical Center Coldwater’s charged/list benchmark

2. Household Annual Income ($) Screened against 2026 HHS Federal Poverty Guidelines

3. Household Size (1–8) 2026 FPL: $15,650 + $5,500 per additional person

Step 1 · 501(r) Charity Care Check 274% of 2026 FPL

Above Standard 400% FPL Financial-Assistance Ceiling

At 274% FPL, you exceed the standard 400% FPL tier, though medical-hardship caps (when bills exceed 10% of annual income) may still apply.

Step 2 · Cash vs. Insurance Arbitrage Save $1,700 Paying Cash

Self-Pay Cash Rate ($6,800) Beats Your Bill

Insight Hospital and Medical Center Coldwater's published 45 CFR § 180 self-pay cash rate is $6,800 (vs. $5,950 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.

Step 3 · Fair BaseRate Target +$5,128 Above Fair BaseRate

Negotiate Toward $3,372 Fair BaseRate ($3,343 Medicare)

Your bill ($8,500) is $5,128 above the denoised Fair BaseRate ($3,372) and 2.5× the $3,343 Medicare rate.

1-Click Factual Dispute Summary: Copy a citation-backed benchmark memo (with CMS CCN, CPT code, Medicare reference, Fair BaseRate, and 26 U.S.C. § 501(r) calculations) to paste into patient-portal messages or billing appeals.

IRS Form 990 Schedule H & 26 U.S.C. § 501(r) For-Profit / Non-501(c)(3)

Financial Assistance Policy (FAP) & Amounts Generally Billed (AGB)

Public IRS & CMS ownership records classify Insight Hospital and Medical Center Coldwater as a non-501(c)(3) facility. Federal 26 U.S.C. § 501(r) statutory charity-care caps apply specifically to tax-exempt nonprofit hospitals, though state hospital fair-pricing statutes and prompt-pay self-pay discounts may still apply.

Screen your household size, income, and itemized CPT codes against 2026 HHS Federal Poverty Guidelines: Calculate Your 501(r) Cap Above ↑

CMS Care Compare Public Quality Record

Clinical Quality, Patient Experience & Infection Benchmarks

CMS Overall4/5 Stars (4/5)

Safety Composite70/100

Would Recommend57%

Rated 9 or 10 (HCAHPS)63%

Median ER Wait142 min

Left ER Before Seen1%

30-Day Mortality vs U.S.same

Unplanned Readmissionsame

Healthcare-Associated Infections (CDC NHSN / CMS HAI)

1.00 SIR = National Predicted Baseline (Lower Is Safer)

C. diff Hospital-Onset Infectionsame

Source: CMS Hospital Care Compare (254 completed HCAHPS patient surveys). Clinical quality metrics summarize historical facility-wide cohorts and are not medical advice for individual care decisions.

Care-Setting Arbitrage, Bilateral SVD Insurer Leverage & Regional Alternatives

How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings

Regional Value & Quality Leader Pareto Frontier (Price + Quality)

2D regional comparison of commercial negotiated price index against CMS clinical quality composite for Insight Hospital and Medical Center Coldwater.

Price Index: 1.00× regional baseline

Quality: 66/100 CMS composite

Median Household Income$61,958U.S. Census ACS

Local Uninsured Share10.1%Regional ACS estimate

200% FPL (1 Person)$31,920Common free-care ceiling

400% FPL (Family of 4)$128,600Common AGB cap ceiling

45 CFR § 180 Primary-Source Lineage & Federal Verification VeriRate 67/100 · Caution CMS CCN 230022

Verify the Raw Data: Official Hospital MRF, CMS Medicare.gov & Federal Filings

MRF Portal Indexed (CMS_45_CFR_180_FILING.json) Verify on CMS Medicare.gov (CCN 230022) ↗ CMS HCRIS Cost Reports ↗

Published MRF FileCMS_45_CFR_180_FILING.json

Publication / Vintage2025-07-25

Validated Rate Rows1,448 (CMS v2.0.0)

File Integrity DigestVerified · CCN 230022

Safe-Harbor Data Corrections: Parsed directly from public 45 CFR § 180 hospital filings, CMS Care Compare, and CMS HCRIS cost reports. Hospital compliance officers may submit updated MRF URLs or rate tables for verification.

Submit MRF Update Correction Policy