CMS Price Transparency Data

Inguinal hernia repair

Facility: Montefiore New Rochelle Hospital

Billing Code: 49505 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 49505
Insurance Median: $4,301
Cash Discount Price: Unavailable
vs. Medicare Baseline: 1.18x Medicare

The contracted insurance negotiated median rate for a Inguinal hernia repair at Montefiore New Rochelle Hospital is $4,301. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is unavailable. Compared to the federal Medicare reimbursement reference rate of $3,657.95, this hospital’s rate is 1.18x the Medicare baseline. Located in 16 Guion Place, New Rochelle, NY.

Cash / Self-Pay

Unavailable

Average discount available for prompt cash payment at this facility.

Insurance Median

$4,301

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%)

Insurance Median: $4,301 (118%)

Ins. Median: $4,301 (118% 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	$540 - $14,321	15%
Healthfirst	$1,106 - $4,176	30%
Oscar	$3,549 - $7,276	97%
Emblem	$4,176 - $15,963	114%
Empire	$4,176 - $9,074	114%
Fidelis	$4,176	114%
Metroplus	$4,176 - $5,428	114%
Villagecaremax	$4,176	114%
Vnsny Choice	$4,176	114%
Wellcare	$4,259	116%
Centerlight	$4,301	118%
Amidacare	$4,385	120%
Partners_Health_Plan	$4,385	120%
Hamaspik	$4,510	123%
Humana	$4,593	126%
Molina Healthcare Of Ny Affinity	$5,762	158%
Aetna	$6,000 - $6,712	164%
Northwell	$11,233	307%

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 $X.
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 Montefiore New Rochelle Hospital 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.