CMS Price Transparency Data

Colonoscopy with biopsy

Facility: Catawba Valley Medical Center

Billing Code: 45380 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45380
Insurance Median: $3,225
Cash Discount Price: $4,844
vs. Medicare Baseline: 2.64x Medicare

The contracted insurance negotiated median rate for a Colonoscopy with biopsy at Catawba Valley Medical Center is $3,225. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $4,844. Compared to the federal Medicare reimbursement reference rate of $1,222.56, this hospital’s rate is 2.64x the Medicare baseline. Located in 810 Fairgrove Church Rd, Hickory, NC.

Cash / Self-Pay

$4,844

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,225

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$1,222.56

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $1,222.56 (100%)

Cash / Self-Pay: $4,844 (396%)

Insurance Median: $3,225 (264%)

Cash: $4,844 (396% of Medicare)

Ins. Median: $3,225 (264% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $1,222.56 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 264% of the Medicare baseline (a markup of 164%). Patients with high-deductible plans or out-of-network benefits may face excessive out-of-pocket costs.

Consult Patient Advocate

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	$574 - $4,037	47%
Cigna	$1,094 - $4,440	89%
Humana	$1,116 - $6,458	91%
Wellcare	$1,127	92%
Blue Cross Blue Shield	$1,148 - $3,988	94%
Devoted Health	$1,148	94%
Gateway	$1,148	94%
Longevity Healthcare	$1,148	94%
Liberty Advantage	$1,159	95%
Troy	$1,159	95%
Caresource North Carolina	$2,461	201%
Medcost	$4,037 - $5,530	330%
Directnet	$4,844	396%
Aetna	$4,916	402%
Prime Health Service	$6,055	495%
Multiplan	$6,862	561%

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 $4,844.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 45380.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Catawba Valley Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 45380.
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.