CMS Price Transparency Data

Colonoscopy with biopsy

Facility: UPMC Bedford Memorial

Billing Code: 45380 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45380
Insurance Median: $1,712
Cash Discount Price: $1,657
vs. Medicare Baseline: 1.40x Medicare

The contracted insurance negotiated median rate for a Colonoscopy with biopsy at UPMC Bedford Memorial is $1,712. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,657. Compared to the federal Medicare reimbursement reference rate of $1,222.56, this hospital’s rate is 1.40x the Medicare baseline. Located in 10455 Lincoln Highway, Everett, PA.

Cash / Self-Pay

$1,657

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,712

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: $1,657 (136%)

Insurance Median: $1,712 (140%)

Cash: $1,657 (136% of Medicare)

Ins. Median: $1,712 (140% 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
UnitedHealthcare	$237 - $1,850	19%
Upmc Health Plan	$248 - $2,299	20%
Aetna	$282 - $1,850	23%
Geisinger	$313	26%
Highmark Wholecare (Prev Gateway)	$334 - $1,214	27%
Health Partners Plans (Jefferson Health Plan)	$340	28%
Amerihealth Caritas	$352 - $1,214	29%
Pa Health & Wellness	$384 - $1,214	31%
Upmc Work Partners	$841	69%
Cigna	$1,104 - $1,850	90%
Blue Cross Blue Shield	$1,124 - $2,493	92%
Intergroup	$1,795 - $2,485	147%
Coventry/First Health	$1,933	158%
Preferred Healthcare System	$2,209	181%
Health Coalition Partners	$2,485	203%
Humana	$2,485	203%
Private Health Care Systems	$2,485	203%
Selectcare	$2,485	203%

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 $1,657.
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 UPMC Bedford Memorial 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.