CMS Price Transparency Data

Inguinal hernia repair

Facility: Niagara Falls Memorial Medical Center

Billing Code: 49505 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 49505
Insurance Median: $2,416
Cash Discount Price: $1,835
vs. Medicare Baseline: 0.66x Medicare

The contracted insurance negotiated median rate for a Inguinal hernia repair at Niagara Falls Memorial Medical Center is $2,416. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,835. Compared to the federal Medicare reimbursement reference rate of $3,657.95, this hospital’s rate is 0.66x the Medicare baseline. Located in 621 Tenth Street, Niagara Falls, NY.

Cash / Self-Pay

$1,835

Average discount available for prompt cash payment at this facility.

Insurance Median

$2,416

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$3,657.95

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $3,657.95 (100%)

Cash / Self-Pay: $1,835 (50%)

Insurance Median: $2,416 (66%)

Cash: $1,835 (50% of Medicare)

Ins. Median: $2,416 (66% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $3,657.95 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
UnitedHealthcare	$1,614	44%
Univera	$2,026 - $2,109	55%
Blue Cross Blue Shield	$2,722 - $3,481	74%
Aetna	$3,366	92%

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 $1,835.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 49505.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Niagara Falls Memorial Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 49505.
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.