CMS Price Transparency Data

Inguinal hernia repair

Facility: Tops Surgical Specialty Hospital

Billing Code: 49505 (CPT)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 49505
Insurance Median: $3,035
Cash Discount Price: $1,923
vs. Medicare Baseline: 0.83x Medicare

The contracted insurance negotiated median rate for a Inguinal hernia repair at Tops Surgical Specialty Hospital is $3,035. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $1,923. Compared to the federal Medicare reimbursement reference rate of $3,657.95, this hospital’s rate is 0.83x the Medicare baseline. Located in 17080 Red Oak Drive, Houston, TX.

Cash / Self-Pay

$1,923

Average discount available for prompt cash payment at this facility.

Insurance Median

$3,035

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: $1,923 (53%)

Insurance Median: $3,035 (83%)

Cash: $1,923 (53% of Medicare)

Ins. Median: $3,035 (83% 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
Oscar Health Plan	$665 - $3,278	18%
Ambetter / Centene	$761 - $3,493	21%
Health Net	$883 - $4,671	24%
UnitedHealthcare	$928 - $7,807	25%
Aetna	$1,849 - $5,771	51%
Blue Cross Blue Shield	$2,473 - $2,912	68%
Humana	$2,660 - $4,121	73%
Cigna	$5,137 - $5,962	140%

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 $1,923.
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 Tops Surgical Specialty 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.