CMS Price Transparency Data

Colonoscopy (diagnostic)

Facility: Overlook Medical Center

Billing Code: 45378 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45378
Insurance Median: $1,058
Cash Discount Price: $1,217
vs. Medicare Baseline: 1.11x Medicare

The contracted insurance negotiated median rate for a Colonoscopy (diagnostic) at Overlook Medical Center is $1,058. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,217. Compared to the federal Medicare reimbursement reference rate of $950.1, this hospital’s rate is 1.11x the Medicare baseline. Located in 99 Beauvoir Avenue, Summit, NJ.

Cash / Self-Pay

$1,217

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,058

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: $1,217 (128%)

Insurance Median: $1,058 (111%)

Cash: $1,217 (128% of Medicare)

Ins. Median: $1,058 (111% 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
Wtc Health Program [5273]	$366	39%
Aetna	$1,058 - $1,481	111%
Ambetter / Centene	$1,058	111%
Amerihealth Administrators Supplemental [5512]	$1,058	111%
Amerihealth Medigap [5049]	$1,058	111%
Blue Cross Blue Shield	$1,058	111%
Champva [5354]	$1,058	111%
Cigna	$1,058	111%
Claim Watcher/Homestead [5488]	$1,058	111%
Claimdoc [5434]	$1,058	111%
Cosmetic Surgery/Lap Band/Gastric Bypass [5289]	$1,058	111%
Fairos [5491]	$1,058	111%
Highmark Wholecare Health Plan Ip Splits [5464]	$1,058	111%
Highmark Wholecare Health Plan [5413]	$1,058	111%
Karen Ann Quinlan [5285]	$1,058	111%
Luminare Health AHS Retiree [5013]	$1,058	111%
Medicaid / KanCare	$1,058	111%
Medicare (plans)	$1,058 - $1,095	111%
Omc Pediatric Muscle Lengthening [5360]	$1,058	111%
Sedgwick Wtc Health Program Wc [5514]	$1,058	111%
Specialty Imaging [5433]	$1,058	111%
Tricare	$1,058	111%
UPMC [5455]	$1,058	111%
Us Family Health Plan [5258]	$1,058	111%
VA Community Care Network [5403]	$1,058	111%
Wellcare Behavioral Health [5335]	$1,058	111%
Wellcare Health Plans Ip Splits [5475]	$1,058	111%
Wellcare Health Plans [5269]	$1,058	111%
Amerihealth Caritas Vip Care Ip Splits [5460]	$1,068	112%
Amerihealth Caritas Vip Care [5313]	$1,068	112%
Kindred Giralda Hospital [5341]	$1,164	123%
Horizon Nj Health [5021]	$3,008	317%
Amerihealth [5008]	$5,253 - $6,049	553%
Kessler Foundation [5532]	$12,000	1263%

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 $1,217.
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 Overlook Medical Center 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.