CMS Price Transparency Data

Colonoscopy with biopsy

Facility: Clara Maass Medical Center

Billing Code: 45380 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45380
Insurance Median: $2,478
Cash Discount Price: $3,986
vs. Medicare Baseline: 2.03x Medicare

The contracted insurance negotiated median rate for a Colonoscopy with biopsy at Clara Maass Medical Center is $2,478. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,986. Compared to the federal Medicare reimbursement reference rate of $1,222.56, this hospital’s rate is 2.03x the Medicare baseline. Located in One Clara Maass Drive, Belleville, NJ.

Cash / Self-Pay

$3,986

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,478

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: $3,986 (326%)

Insurance Median: $2,478 (203%)

Cash: $3,986 (326% of Medicare)

Ins. Median: $2,478 (203% 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 203% of the Medicare baseline (a markup of 103%). 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
Blue Cross Blue Shield	$328 - $1,323	27%
Humana	$1,323	108%
Clover Health	$1,323	108%
Fidelis Care	$1,323	108%
Wellpoint	$1,323 - $3,266	108%
Aetna	$1,323 - $5,153	108%
UnitedHealthcare	$1,349 - $4,267	110%
Cigna	$1,950 - $2,610	160%
Emblem Health	$2,315	189%
Wellcare	$2,632	215%
Qualcare Inc	$3,617	296%

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 $3,986.
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 Clara Maass 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.