Colonoscopy (diagnostic)
Facility: Liberty Hospital
Billing Code: 45378 (CPT)
- CPT Billing Code: 45378
- Insurance Median: $1,244
- Cash Discount Price: Unavailable
- vs. Medicare Baseline: 1.31x Medicare
Average discount available for prompt cash payment at this facility.
Median negotiated contract rate across all mapped commercial carriers.
Standard federal government reimbursement rate for this code.
Visual Cost Comparison vs. 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.
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 | $177 - $3,983 | 19% |
| Cigna | $732 - $811 | 77% |
| Aetna | $811 - $3,680 | 85% |
| UnitedHealthcare | $811 - $1,338 | 85% |
| Medicare (plans) | $819 - $892 | 86% |
| Humana | $827 - $4,497 | 87% |
| Healthy Blue | $870 | 92% |
| Ambetter / Centene | $1,030 | 108% |
| Home State Health | $1,190 | 125% |
Consumer Guidance & Cost Commentary
For a diagnostic colonoscopy at Liberty Hospital in Liberty, MO, the median negotiated rate is $1,244. This facility is a voluntary non-profit acute care hospital located at 2525 Glenn Hendren Dr. While the facility has a 2-star rating, the pricing data indicates a significant difference between commercial insurance coverage and cash payment options. The median negotiated rate of $1,244 is notably higher than the Medicare amount of $950.10, reflecting a markup ratio of 1.3 times the Medicare benchmark.
Patients with high-deductible plans may find that paying cash directly is more cost-effective than using insurance, as the commercial negotiated rates can exceed the cash price. For instance, Blue Cross Blue Shield plans have a high-end rate of $3,983 and Cigna plans range up to $811, both of which represent amounts patients might owe depending on their specific plan details. It is important to verify "self-pay" or "prompt-pay" discounts with the hospital before scheduling, as upfront payment of the cash rate can often result in a fee reduction that lowers the total cost compared to the standard negotiated rates. Additionally, since the No Surprises Act protects patients from balance billing for out-of-network services at in-network facilities, patients should request a full itemized bill to ensure all charges are accurate and free from unbundled codes or services not rendered.