CMS Price Transparency Data

Colonoscopy with biopsy

Facility: Westfield Memorial Hospital Inc

Billing Code: 45380 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45380
Insurance Median: $389
Cash Discount Price: $123
vs. Medicare Baseline: 0.32x Medicare

The contracted insurance negotiated median rate for a Colonoscopy with biopsy at Westfield Memorial Hospital Inc is $389. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $123. Compared to the federal Medicare reimbursement reference rate of $1,222.56, this hospital’s rate is 0.32x the Medicare baseline. Located in 189 E Main St, Westfield, NY.

Cash / Self-Pay

$123

Average discount available for prompt cash payment at this facility.

Insurance Median

$389

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$1,222.56

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $1,222.56 (100%)

Cash / Self-Pay: $123 (10%)

Insurance Median: $389 (32%)

Cash: $123 (10% of Medicare)

Ins. Median: $389 (32% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $1,222.56 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
Univera	$161 - $289	13%
Highmark	$173 - $2,314	14%
Life Pittsburgh	$186 - $1,395	15%
Medicare (plans)	$197 - $1,437	16%
American Health Plans	$204 - $1,395	17%
Amerihealth	$237 - $1,465	19%
Pennsylvania Health And Wellness	$298 - $480	24%
Cigna	$315	26%
Geisinger	$327 - $512	27%
UnitedHealthcare	$327 - $1,507	27%
Jefferson Health Plans	$345 - $490	28%
Martin'S Point	$1,395	114%
Aetna	$1,451 - $2,679	119%
Humana	$1,479	121%
Molina	$1,521	124%

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 $123.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 45380.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Westfield Memorial Hospital Inc is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 45380.
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.