Ambulatory surgery center (ASC)
Standalone outpatient surgery facility; typically the lower-cost setting for colonoscopy.
Price risk: Anesthesia and pathology may still be billed separately.
Find out what healthcare may actually cost before you book
Colonoscopy Cost in the USA: Cash Price vs Insurance Price
Compare cash and insurance pricing for a colonoscopy, with the screening-vs-diagnostic distinction that determines whether the procedure is covered as ACA preventive care at no patient cost.
Peter Langdon · TreatCompare editor — healthcare price research
Important information for US visitors
This page is general consumer information about US hospital price-transparency data and shoppable-service pricing. It is not insurance advice, billing advice, legal advice, tax advice, or medical advice, and it is not a substitute for an insurance broker, patient advocate, certified medical biller, or attorney. The cash-vs-insurance calculator produces scenario estimates only, based on numbers you enter; an actual bill depends on your plan, network status, prior authorisation, separate professional and facility fees, and the specific procedure code billed. Please verify any quoted price and your estimated patient responsibility directly with your provider and your insurer before booking care.
Could paying cash for a colonoscopy be lower-cost than using insurance?
Paying cash for an Colonoscopy can be lower-cost than using insurance when the cash quote is below your likely patient responsibility under insurance. The key comparison is not cash price vs sticker price; it is cash price vs your deductible, coinsurance, copay and out-of-pocket maximum.
See if cash or insurance is lower-cost for your Colonoscopy
Enter your cash quote and insurance plan numbers — get a scenario estimate in under a minute.
Screening vs diagnostic
Critical
A screening colonoscopy may be a $0 ACA-preventive service; a diagnostic colonoscopy is not.
Key billing code
CPT code
The CPT code changes whether the procedure is treated as screening or diagnostic.
Main hidden issue
Polyp removal
A screening colonoscopy can be re-coded if polyps are removed, shifting cost back to the patient.
Decision tool
Should I pay cash or use insurance for a Colonoscopy?
Enter your quote and plan numbers. The result estimates today's payment and flags the deductible trade-off.
Cash route
$1,750
Insurance estimate
$1,280
Current signal
Insurance looks lower-cost by $470
This is a simple estimate. It does not verify network status, prior authorization, separate radiologist bills, contrast, facility fees, or whether a cash payment counts toward your plan deductible or out-of-pocket maximum.
Suggested next step
Insurance looks better on this estimate.
Your result depends on whether more care is likely this plan year and whether the provider is in-network.
Most useful submissions include screening vs diagnostic coding, anesthesia fee, pathology fee, provider name, date quoted and whether the amount was cash, allowed amount, EOB patient responsibility or billed charge.
Before booking, ask
Provider
- What CPT code will be billed for this Colonoscopy?
- Is the cash quote complete, or are professional/facility fees separate?
- Is contrast, anesthesia, pathology or follow-up included if relevant?
- Can you provide the quote in writing before booking?
- Is this screening or diagnostic, and what happens to the bill if polyps are removed?
- Are anesthesia and pathology included, and are those providers in network?
- Is this screening or diagnostic, and which CPT or HCPCS code will be billed?
- If polyps are found and removed during a screening colonoscopy, how will it be coded?
Insurer
- Is the provider in-network for my exact plan?
- Will this CPT code require prior authorization?
- What patient responsibility do you estimate after deductible, copay and coinsurance?
- If I pay cash, can I submit an out-of-network claim later?
Keep the decision handy
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Data funnel
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Colonoscopy cost by state
State pages use available CMS/provider records where present, then fall back to the procedure calculator defaults while we collect more quotes and EOBs.
Hospital outpatient department
Colonoscopy performed at a hospital outpatient facility.
Price risk: Facility fees often higher than at an ASC.
Endoscopy clinic
GI-specialist clinic offering scope-based procedures.
Price risk: Check anesthesia and pathology arrangements.
What changes an Colonoscopy bill?
The useful comparison is itemised. These are the fields to pin down before relying on any quote.
| Factor | Why it matters | What to ask |
|---|---|---|
| Screening vs diagnostic intent | The ACA requires no-cost-sharing for many screening colonoscopies; diagnostic procedures are not protected. | Ask whether the procedure will be billed as screening or diagnostic. |
| Polyp removal during screening | Federal guidance now treats polypectomy during a screening colonoscopy as part of the screening, but coding errors still occur. | Confirm in writing how a polypectomy during screening will be coded and billed. |
| Anesthesia billing | Anesthesia is often a separate bill from the gastroenterologist and facility. | Ask whether the quote includes anesthesia, and whether the anesthesiologist is in network. |
| Facility setting (ASC vs hospital) | Ambulatory surgery centers are typically lower-cost than hospital outpatient departments. | Confirm whether the procedure is at an ASC or hospital outpatient department. |
| Pathology fees | Biopsy or polyp samples generate a separate pathology bill not in the procedure quote. | Ask whether pathology charges are bundled in the quote or billed separately. |
Example cash vs insurance scenarios
These are illustrative calculations only. Replace them with your plan and provider quote in the tool above.
| Scenario | Cash quote | Allowed amount | Deductible left | Coinsurance | Insurance estimate | Signal |
|---|---|---|---|---|---|---|
| High deductible, diagnostic | $1,750 | $2,400 | $2,000 | 20% | $2,080 | Cash may be lower-cost for diagnostic procedures with a high remaining deductible. |
| Screening, ACA preventive | $1,750 | $2,400 | $0 | 0% | $0 | Insurance should be $0 if billed correctly as ACA preventive screening. |
| Deductible already met, diagnostic | $1,750 | $2,400 | $0 | 20% | $480 | Insurance is usually lower-cost once the deductible is met for diagnostic. |
Common Colonoscopy CPT codes
The CPT code changes the comparison. Ask the ordering clinician or imaging provider which code will be billed.
| Code | Description | Typical use |
|---|---|---|
| 45378 | Colonoscopy, diagnostic | GI symptoms, bleeding, surveillance. |
| 45380 | Colonoscopy with biopsy | Tissue sampling during the procedure. |
| 45385 | Colonoscopy with snare polypectomy | Polyp removal during the procedure. |
| G0121 | Colorectal cancer screening, average risk | Routine screening colonoscopy in average-risk patients (Medicare coding). |
| G0105 | Colorectal cancer screening, high risk | Screening in high-risk patients (Medicare coding). |
Hospital price records (CMS MRF data)
Aggregated from each hospital’s machine-readable file (MRF) published under the CMS Hospital Price Transparency Rule (45 CFR § 180.50). Provider-specific rows include a source URL, retrieval date, and confidence rating.
What these numbers are — and what they are not. The amounts below are rates the hospital has filed with CMS: a cash / self-pay price, a payer-specific negotiated rate (often shown as a min–median–max range across the payer-plan combinations on file), or a de-identified min-negotiatedvalue. They are not patient bills: the amount a specific patient pays depends on plan, network, deductible, coinsurance, copay, separately billed professional fees, prior authorisation, and the exact CPT code billed on the day. Always verify with the provider and your insurer before booking. Some rates may be stale — each row carries the MRF retrieval date and, where available, inclusion flags for facility, professional and contrast components.
Showing 60 representative rows from 804 matched records to keep this page crawlable. The full structured extract is available through the data team.
| Provider | Location | Price type | Amount | Source | Inclusions | Checked | Confidence |
|---|---|---|---|---|---|---|---|
| Cedars-Sinai Medical Center CPT G0121 | Los Angeles, CA | Cash / self-pay price | $5,643 (range $2,807–$4,167) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT G0121 | Los Angeles, CA | Cash / self-pay price | $5,643 (range $2,807–$4,167) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT G0121 | Los Angeles, CA | Cash / self-pay price | $5,643 (range $2,807–$4,167) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT G0121 | Los Angeles, CA | Cash / self-pay price | $5,643 (range $2,807–$4,167) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT G0121 | Los Angeles, CA | Cash / self-pay price | $5,643 (range $2,807–$4,167) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45378 | Los Angeles, CA | Cash / self-pay price | $4,878 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45378 | Los Angeles, CA | Cash / self-pay price | $4,878 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45378 | Los Angeles, CA | Cash / self-pay price | $4,878 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45378 | Los Angeles, CA | Cash / self-pay price | $4,878 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45378 | Los Angeles, CA | Cash / self-pay price | $4,878 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45380 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45380 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45380 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45380 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45380 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45385 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45385 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45385 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45385 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45385 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT G0105 | Los Angeles, CA | Cash / self-pay price | $4,878 (range $10,495–$11,386) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45378 | Los Angeles, CA | Cash / self-pay price | $3,965 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45380 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT 45385 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $12,162–$18,056) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT G0121 | Los Angeles, CA | Cash / self-pay price | $24,185 (range $10,495–$11,386) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT G0105 | Los Angeles, CA | Cash / self-pay price | $937 (range $2,807–$4,167) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT G0105 | Los Angeles, CA | Cash / self-pay price | $937 (range $2,807–$4,167) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT G0105 | Los Angeles, CA | Cash / self-pay price | $937 (range $2,807–$4,167) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT G0105 | Los Angeles, CA | Cash / self-pay price | $937 (range $2,807–$4,167) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Cedars-Sinai Medical Center CPT G0105 | Los Angeles, CA | Cash / self-pay price | $937 (range $2,807–$4,167) | CMS hospital MRF | not specified | 2026-05-13 | high |
| Stanford Hospital CPT 45378 | Stanford, CA | Cash / self-pay price | $3,432 | CMS hospital MRF | not specified | 2026-05-13 | high |
| Stanford Hospital CPT 45380 | Stanford, CA | Cash / self-pay price | $4,798 | CMS hospital MRF | not specified | 2026-05-13 | high |
| Stanford Hospital CPT 45385 | Stanford, CA | Cash / self-pay price | $3,668 | CMS hospital MRF | not specified | 2026-05-13 | high |
| Stanford Hospital CPT G0105 | Stanford, CA | Cash / self-pay price | $3,492 | CMS hospital MRF | not specified | 2026-05-13 | high |
| Stanford Hospital CPT G0121 | Stanford, CA | Cash / self-pay price | $3,451 | CMS hospital MRF | not specified | 2026-05-13 | high |
| Houston Methodist Hospital CPT 45378 | Houston, TX | Cash / self-pay price | $519 | CMS hospital MRF | not specified | 2026-05-13 | high |
| Houston Methodist Hospital CPT 45380 | Houston, TX | Cash / self-pay price | $462 | CMS hospital MRF | not specified | 2026-05-13 | high |
| Houston Methodist Hospital CPT 45385 | Houston, TX | Cash / self-pay price | $485 | CMS hospital MRF | not specified | 2026-05-13 | high |
| Houston Methodist Hospital CPT G0105 | Houston, TX | Cash / self-pay price | $367 | CMS hospital MRF | not specified | 2026-05-13 | high |
| Houston Methodist Hospital CPT G0121 | Houston, TX | Cash / self-pay price | $446 | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,288 (range $329–$6,261) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,288 (range $329–$6,261) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,288 (range $329–$6,261) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,125 (range $146–$1,808) | CMS hospital MRF | not specified | 2026-05-13 | high |
| UT Southwestern University Hospitals CPT 45378 | Dallas, TX | Cash / self-pay price | $1,288 (range $329–$6,261) | CMS hospital MRF | not specified | 2026-05-13 | high |
Questions to ask before booking
- Is this screening or diagnostic, and which CPT or HCPCS code will be billed?
- If polyps are found and removed during a screening colonoscopy, how will it be coded?
- Is anesthesia included in the quoted price, and is the anesthesiologist in network?
- Are pathology fees included in the quote or billed separately?
- Is the procedure at an ASC or hospital outpatient department?
- If I pay cash, will the payment count toward my deductible or out-of-pocket maximum?
- What is my estimated patient responsibility if billed to my insurance?
Data-source caveats
- TreatCompare has not yet ingested nationwide hospital MRF rows for colonoscopy.
- ACA preventive-care rules can change colonoscopy patient cost dramatically; confirm coding with your provider and insurer.
- Anesthesia and pathology charges are commonly excluded from the procedure quote.
- A payer-specific negotiated charge is not the same as the patient out-of-pocket amount.
According to CMS hospital price transparency data, US Colonoscopy prices vary across hospital outpatient departments and independent imaging or surgery centres. The same scan or procedure can show a 3x to 10x price spread between facilities in the same metro area depending on payer contracts, facility fees, and whether the professional fee is bundled or billed separately.
According to standard US health-plan structure, the patient's out-of-pocket cost for a Colonoscopy depends on remaining deductible, coinsurance percentage, in-network status, and any separately billed professional or anesthesia fees — not the headline hospital chargemaster price. The TreatCompare US cash-vs-insurance calculator estimates that responsibility from the cash quote and insurance allowed amount the patient enters.
According to CMS Hospital Price Transparency Rule (45 CFR § 180.50), every US hospital must publish a machine-readable file (MRF) of standard charges including discounted cash prices and payer-specific negotiated rates. TreatCompare US ingests these MRF files and surfaces the data per provider with the source URL and retrieval date — the price records below carry full traceability back to the original hospital file.
Sources: CMS hospital MRF data, TreatCompare US procedure price record dataset, May 2026.
Using this data?
Methodology, extracts and licensing
Main sources
- CMS Hospital Price Transparency overview
- CMS Hospital Price Transparency hospitals page
- CMSgov/hospital-price-transparency GitHub repository
- CMS CSV/JSON data dictionary and template guidance
Methodology: TreatCompare maps CMS standard-charge fields and provider cash-price fields into a consumer comparison model. This MVP explains the decision logic before full hospital MRF ingestion.
TreatCompare publishes healthcare, care-cost and treatment-pricing research for consumers, journalists, policymakers and commercial teams.
Contact TreatCompare about dataMethodology, source summaries and structured extracts: TreatCompare data team
Where to look next for Colonoscopy pricing or a facility
Publicly-verified US healthcare directories, accreditation tools and cash-pay marketplaces. TreatCompare links to the source — booking, eligibility and pricing are handled by the destination organisation.
ASGE Find a GI SpecialistFind a facility
American Society for Gastrointestinal Endoscopy directory of GI specialists who perform colonoscopy and upper endoscopy. Filter by US state.
Visit →CDC Colorectal Cancer ScreeningFind a facility
Centers for Disease Control screening guidance — useful for the screening-vs-diagnostic distinction that determines whether a colonoscopy is covered as ACA preventive (no cost-share) or diagnostic.
Visit →Healthcare BluebookPrice lookup
Independent fair-price lookup for thousands of US healthcare services. Lets you compare a quote you have received against the local fair price.
Visit →FAIR Health ConsumerPrice lookup
Free price-lookup tool maintained by the non-profit FAIR Health. Uses a database of billions of US insurance claims to show typical costs by procedure and ZIP code.
Visit →Turquoise Health ConsumerPrice lookup
Aggregates published hospital price-transparency files into a searchable price comparison by procedure, payer and ZIP code.
Visit →MDsaveCash marketplace
Pre-paid cash-bundle marketplace — patients pay an all-in price upfront and avoid the surprise-bill flow. Genuine cash-pay alternative to insurance billing.
Visit →Sidecar HealthCash marketplace
Membership health plan that pays cash directly for covered services, giving members published prices upfront. A genuine alternative model to traditional insurance.
Visit →The Leapfrog Group — Hospital SafetyHospital safety
Free hospital quality and safety ratings. Useful when deciding between a hospital outpatient department and an independent facility for the same procedure.
Visit →TreatCompare is not affiliated with these organisations and does not take a fee for linking. Verify any quoted price with your provider and insurer before booking care.
Help improve TreatCompare
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How self-pay interacts with the deductible and out-of-pocket maximum
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How we label CMS, cash-pay and insurance price fields