CMS Price Transparency Data

Colonoscopy (diagnostic)

Facility: Ocean Medical Center

Billing Code: 45378 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45378
Insurance Median: $3,137
Cash Discount Price: $954
vs. Medicare Baseline: 3.30x Medicare

The contracted insurance negotiated median rate for a Colonoscopy (diagnostic) at Ocean Medical Center is $3,137. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $954. Compared to the federal Medicare reimbursement reference rate of $950.1, this hospital’s rate is 3.30x the Medicare baseline. Located in 425 Jack Martin Blvd, Brick, NJ.

Cash / Self-Pay

$954

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,137

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: $954 (100%)

Insurance Median: $3,137 (330%)

Cash: $954 (100% of Medicare)

Ins. Median: $3,137 (330% 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.

Elevated Commercial Rate Alert (Value-Gap)

The negotiated rate at this facility is 330% of the Medicare baseline (a markup of 230%). 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
Karna	$187 - $385	20%
Aetna	$601 - $10,692	63%
Clover	$762	80%
Seoul Medical Group	$822 - $911	87%
Amerigroup	$912	96%
Horizon	$912 - $10,671	96%
Vaccn	$912 - $996	96%
Wellcare	$912 - $996	96%
United Community/Americhoice	$957 - $1,046	101%
Blue Cross Blue Shield	$996	105%
UnitedHealthcare	$1,189 - $7,714	125%
Activecare First McO	$2,964 - $3,600	312%
Intergroup	$2,964	312%
Cigna	$3,137 - $3,832	330%
Bergen Risk	$3,176	334%
Qualcare	$3,291 - $6,256	346%
Prime Health	$3,388	357%
Multiplan - PHCS	$3,600	379%
Amerihealth	$3,639 - $4,122	383%
Oxford	$6,137	646%
Brighton Health Plan	$9,933	1045%

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 $954.
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 Ocean 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.