CMS Price Transparency Data

Upper endoscopy with biopsy

Facility: Community Medical Center

Billing Code: 43239 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 43239
Insurance Median: $2,677
Cash Discount Price: $3,786
vs. Medicare Baseline: 2.89x Medicare

The contracted insurance negotiated median rate for a Upper endoscopy with biopsy at Community Medical Center is $2,677. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $3,786. Compared to the federal Medicare reimbursement reference rate of $926.63, this hospital’s rate is 2.89x the Medicare baseline. Located in 99 Rt 37 West, Toms River, NJ.

Cash / Self-Pay

$3,786

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,677

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$926.63

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $926.63 (100%)

Cash / Self-Pay: $3,786 (409%)

Insurance Median: $2,677 (289%)

Cash: $3,786 (409% of Medicare)

Ins. Median: $2,677 (289% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $926.63 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 289% of the Medicare baseline (a markup of 189%). 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	$341 - $1,025	37%
Aetna	$1,025 - $5,009	111%
Clover Health	$1,025	111%
Fidelis Care	$1,025	111%
Humana	$1,025	111%
Wellpoint	$1,025 - $3,266	111%
UnitedHealthcare	$1,045 - $4,523	113%
Emblem Health	$1,793	193%
Wellcare	$2,039	220%
Cigna	$2,677 - $3,582	289%
Qualcare Inc	$3,617	390%

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 $3,786.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 43239.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Community Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 43239.
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.