CMS Price Transparency Data

Hospital observation (per hour)

Facility: Insight Hospital and Medical Center Coldwater

Billing Code: G0378 (HCPCS)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: G0378
Insurance Median: $68
Cash Discount Price: $78
vs. Medicare Baseline: N/A Medicare

The contracted insurance negotiated median rate for a Hospital observation (per hour) at Insight Hospital and Medical Center Coldwater is $68. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $78. Compared to the federal Medicare reimbursement reference rate of N/A, this hospital’s rate is N/A the Medicare baseline. Located in 274 E Chicago St, Coldwater, MI.

Cash / Self-Pay

$78

Average discount available for prompt cash payment at this facility.

Insurance Median

$68

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

N/A

Standard federal government reimbursement rate for this code.

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
Medicaid / KanCare	$68	N/A
Paramount PPO	$68	N/A
Health Alliance Plan	$68	N/A
Php Northern Indiana	$68	N/A
Paramount Elite	$68	N/A
Paramount HMO	$68	N/A
Hap	$68	N/A
Priority	$68	N/A
Medicare (plans)	$68	N/A
McLaren	$68	N/A
PHCS	$68	N/A
Multi-Plan	$68	N/A
Frontpath	$68	N/A
UnitedHealthcare	$68	N/A
Blue Cross Blue Shield	$68	N/A
Humana	$68	N/A
Cofinity	$68	N/A
Aetna	$68	N/A
Php of Mid Michigan	$68	N/A

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 $78.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify HCPCS Code matches exactly: G0378.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Insight Hospital and Medical Center Coldwater is fully in-network.
Ask your insurer if "Prior Authorization" is required for HCPCS code G0378.
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.