CMS Price Transparency Data

Colonoscopy (diagnostic)

Facility: Memorial Hospital Biloxi

Billing Code: 45378 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45378
Insurance Median: $1,879
Cash Discount Price: $3,327
vs. Medicare Baseline: 1.98x Medicare

The contracted insurance negotiated median rate for a Colonoscopy (diagnostic) at Memorial Hospital Biloxi is $1,879. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,327. Compared to the federal Medicare reimbursement reference rate of $950.1, this hospital’s rate is 1.98x the Medicare baseline. Located in 150 Reynoir Street, Biloxi, MS.

Cash / Self-Pay

$3,327

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,879

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: $3,327 (350%)

Insurance Median: $1,879 (198%)

Cash: $3,327 (350% of Medicare)

Ins. Median: $1,879 (198% 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
UnitedHealthcare	$677 - $3,001	71%
Magnolia Health	$684 - $1,185	72%
Molina	$684 - $9,173	72%
Sas Mhg	$713 - $2,899	75%
Cigna	$812 - $3,327	85%
Devoted Health	$828	87%
First Choice	$1,499 - $3,422	158%
Sas Non-Mhg	$1,499	158%
Mhg	$1,580	166%
Fox Everett	$1,901	200%
Aetna	$2,376	250%
First Health	$3,422	360%
Humana	$3,422	360%
Mpcn	$3,565	375%

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 $3,327.
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 Memorial Hospital Biloxi 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.