CMS Price Transparency Data

Colonoscopy (diagnostic)

Facility: Missouri Baptist Medical Center

Billing Code: 45378 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45378
Insurance Median: $1,868
Cash Discount Price: $1,375
vs. Medicare Baseline: 1.97x Medicare

The contracted insurance negotiated median rate for a Colonoscopy (diagnostic) at Missouri Baptist Medical Center is $1,868. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,375. Compared to the federal Medicare reimbursement reference rate of $950.1, this hospital’s rate is 1.97x the Medicare baseline. Located in 3015 N Ballas Rd, Saint Louis, MO.

Cash / Self-Pay

$1,375

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,868

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$950.1

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $950.1 (100%)

Cash / Self-Pay: $1,375 (145%)

Insurance Median: $1,868 (197%)

Cash: $1,375 (145% of Medicare)

Ins. Median: $1,868 (197% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $950.1 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
Aetna	$931 - $2,281	98%
Blue Cross Blue Shield	$931 - $1,941	98%
Essence Healthcare [221]	$931	98%
Healthscope Benefits [258]	$931 - $1,925	98%
Humana	$931 - $6,690	98%
UnitedHealthcare	$931 - $1,925	98%
Cox Health [757]	$978	103%
Devoted Health Plan [847]	$978	103%
Medica [662]	$978	103%
Cox Health Systems Insurance Company [220]	$1,192	125%
Health Alliance [224]	$1,192	125%
Healthcare Sol Mercy [609]	$1,626	171%
Med-Pay [480]	$1,626	171%
Cigna	$1,693 - $6,771	178%
Medica [661]	$1,734	183%
Phcs [244]	$1,734	183%
Consociate [478]	$1,850 - $4,587	195%
Sarah Bush Lincoln [636]	$1,850 - $4,587	195%
Allied Benefits [498]	$2,281	240%
Coresource [497]	$2,281	240%
Fmh Benefit Service Inc [222]	$2,281	240%
Mail Handlers [495]	$2,281	240%
Apwu Health Plan [216]	$2,769 - $6,771	291%
Nalc Health Benefit Plan [242]	$2,769 - $6,771	291%
Priority Health [648]	$2,769 - $6,771	291%

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 $1,375.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 45378.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Missouri Baptist Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 45378.
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.