CMS Price Transparency Data

Upper endoscopy with biopsy

Facility: Monmouth Medical Center

Billing Code: 43239 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 43239
Insurance Median: $2,491
Cash Discount Price: $5,419
vs. Medicare Baseline: 2.69x Medicare

The contracted insurance negotiated median rate for a Upper endoscopy with biopsy at Monmouth Medical Center is $2,491. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $5,419. Compared to the federal Medicare reimbursement reference rate of $926.63, this hospital’s rate is 2.69x the Medicare baseline. Located in 300 Second Avenue, Long Branch, NJ.

Cash / Self-Pay

$5,419

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,491

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: $5,419 (585%)

Insurance Median: $2,491 (269%)

Cash: $5,419 (585% of Medicare)

Ins. Median: $2,491 (269% 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 269% of the Medicare baseline (a markup of 169%). 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	$658 - $1,038	71%
Aetna	$1,038 - $5,153	112%
Clover Health	$1,038	112%
Fidelis Care	$1,038	112%
Humana	$1,038	112%
Wellpoint	$1,038 - $3,266	112%
UnitedHealthcare	$1,045 - $4,523	113%
Emblem Health	$1,816	196%
Wellcare	$2,065	223%
Cigna	$2,491 - $3,334	269%
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 $5,419.
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 Monmouth 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.