CMS Price Transparency Data

Digestive disorders treatment (inpatient stay)

Facility: Cape Regional Medical Center Inc

Billing Code: 392 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 392
Insurance Median: $9,093
Cash Discount Price: $7,395
vs. Medicare Baseline: 1.60x Medicare

The contracted insurance negotiated median rate for a Digestive disorders treatment (inpatient stay) at Cape Regional Medical Center Inc is $9,093. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $7,395. Compared to the federal Medicare reimbursement reference rate of $5,675.87, this hospital’s rate is 1.60x the Medicare baseline. Located in Two Stone Harbor Blvd, Cape May Court House, NJ.

Cash / Self-Pay

$7,395

Average discount available for prompt cash payment at this facility.

Insurance Median

$9,093

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5,675.87

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5,675.87 (100%)

Cash / Self-Pay: $7,395 (130%)

Insurance Median: $9,093 (160%)

Cash: $7,395 (130% of Medicare)

Ins. Median: $9,093 (160% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $5,675.87 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
Horizon Casualty Workers Comp	$3,916	69%
Horizon Casualty Motor Vehicle	$5,021	88%
Clover Health	$5,536	98%
Aetna	$6,431 - $9,093	113%
Americhoice	$6,431	113%
Partners Direct Health	$8,917	157%
Cigna	$9,712 - $10,791	171%
Qualcare	$10,527 - $11,879	185%
Blue Cross Blue Shield	$12,144	214%
UnitedHealthcare	$27,393	483%

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 $7,395.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify MS-DRG Code matches exactly: 392.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Cape Regional Medical Center Inc is fully in-network.
Ask your insurer if "Prior Authorization" is required for MS-DRG code 392.
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.