CMS Price Transparency Data

Colonoscopy (diagnostic)

Facility: Tops Surgical Specialty Hospital

Billing Code: 45378 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 45378
Insurance Median: $1,349
Cash Discount Price: $474
vs. Medicare Baseline: 1.42x Medicare

The contracted insurance negotiated median rate for a Colonoscopy (diagnostic) at Tops Surgical Specialty Hospital is $1,349. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $474. Compared to the federal Medicare reimbursement reference rate of $950.1, this hospital’s rate is 1.42x the Medicare baseline. Located in 17080 Red Oak Drive, Houston, TX.

Cash / Self-Pay

$474

Average discount available for prompt cash payment at this facility.

Insurance Median

$1,349

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$950.1

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $950.1 (100%)

Cash / Self-Pay: $474 (50%)

Insurance Median: $1,349 (142%)

Cash: $474 (50% of Medicare)

Ins. Median: $1,349 (142% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $950.1 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
Oscar Health Plan	$113 - $1,530	12%
Ambetter / Centene	$129 - $2,473	14%
UnitedHealthcare	$294 - $2,571	31%
Health Net	$556 - $1,151	59%
Blue Cross Blue Shield	$609 - $1,985	64%
Humana	$655 - $2,628	69%
Aetna	$1,317 - $3,378	139%
Cigna	$4,016 - $5,394	423%

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 $474.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify CPT Code matches exactly: 45378.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Tops Surgical Specialty Hospital is fully in-network.
Ask your insurer if "Prior Authorization" is required for CPT code 45378.
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.