Colonoscopy Cost in Terre Haute, IN (2026): Average Prices & What You'll Pay
What does a colonoscopy cost in Terre Haute, IN?
Where you have a colonoscopy done in Terre Haute, IN swings the bill from $431 to $582 for identical care. The median cash price across 3 reporting hospitals is $582. The numbers are pulled directly from federally mandated hospital price transparency files. The sections below break this down by coverage and by insurer.
Your colonoscopy prep plan is ready: the bills to expect and the questions to ask before you go. See your plan.
Your colonoscopy prep plan is ready.
The first question to ask before you schedule: “Is this a screening or a diagnostic colonoscopy, and what changes if a polyp is removed?” Here’s your plan:
- ✓ The four bills a colonoscopy can produce (facility, doctor, anesthesia, pathology) and which can be out of network
- ✓ Five questions to ask before you schedule, with what to listen for
- ✓ What changes if a polyp is removed: a screening can be billed as diagnostic
- ✓ A reminder timed to your date, and a slot for each bill as it arrives
- ✓ A free check of your first bill
Where should we send it? Free.
We’ll email a sign-in link. Your plan is saved to a free CostKits account, so you can add your date and your bills later.
Cheapest Colonoscopy Providers in Terre Haute, IN
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs Median |
|---|---|---|---|---|
| 1 | Union Hospital Regional | IN | $582 | +$0 |
| 2 | Union Hospital Terre Haute | IN | $582 | +$0 |
Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
Before you book: three questions that change the price
- Is this the self-pay price, and does it include the doctor, anesthesia and any lab or pathology? Those are often billed separately.
- Can you give me the price in writing, with the billing codes it covers?
- What happens to the price if something extra is needed during the procedure?
Estimate your out-of-pocket cost → · When the bills arrive, we check them for errors →
Quick take
- Ask for the cash price if your deductible isn't met - the median cash price here is $582, and it's often lower than what insurance pays before your deductible is satisfied.
- Ask whether this procedure can be done at a freestanding ambulatory surgical center - they're typically 30-60% cheaper than a hospital for identical care, and most aren't in this hospital-only dataset.
| Coverage | Hospitals with a rate | Typical range | Median |
|---|---|---|---|
| Medicare (national rate) | — | $950 to $2,352 | $1,223 |
| With insurance (commercial, average) | 3 | $1,476 to $2,576 | $2,576 |
| Without insurance (cash price) | 3 | $280 to $582 | $582 |
| Anthem Blue Cross and Blue Shield | 3 | $637 to $2,785 | $2,785 |
Rates are negotiated allowed amounts and cash prices from hospital price-transparency files (October 2026), shown at each hospital’s lowest-priced typical billing code for this procedure. Facility fees only. The typical range is the middle 80% of hospitals, not a quote for your visit.
How much does a colonoscopy cost with Medicare in Terre Haute, IN?
Medicare's national hospital outpatient payment for colonoscopy is about $950 to $2,352 (typically near $1,223). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $245 on a $1,223 payment, with no out-of-pocket cap unless you have supplemental coverage or a Medicare Advantage plan.
Doctor, anesthesia and pathology fees are billed separately. Medicare rates are national CMS amounts, adjusted slightly by local wage levels.
How much does a colonoscopy cost with insurance in Terre Haute, IN?
Across 3 Terre Haute, IN hospitals, the negotiated rates commercial insurers pay for colonoscopy average $1,476 to $2,576 per hospital, with a median near $2,576. That is the amount your plan and you pay the hospital together; you owe your deductible, then coinsurance, up to your out-of-pocket maximum.
Each hospital’s figure is the average of the commercial insurers it lists. Medicare, Medicare Advantage and Medicaid rates are excluded.
How much does a colonoscopy cost without insurance in Terre Haute, IN?
Cash (self-pay) prices for colonoscopy at 3 Terre Haute, IN hospitals range from $280 to $582, with a median of $582. Ask for the cash or self-pay price and for any financial-assistance discount before you book; both can be lower than the posted price.
Cash prices are the hospital’s published discounted rate for patients paying without insurance.
How much does a colonoscopy cost with Anthem Blue Cross and Blue Shield in Terre Haute, IN?
Anthem Blue Cross and Blue Shield negotiated rates for colonoscopy at 3 Terre Haute, IN hospitals range from $637 to $2,785, with a median near $2,785. Your own cost depends on your plan’s deductible and coinsurance, and on whether the hospital is in your network.
Includes Blue Cross and Blue Shield and Anthem plans listed by each hospital.
Indiana has one of the most concentrated hospital markets in the Midwest, which the FTC has previously flagged as insufficiently competitive. Indiana University Health and Ascension St. Vincent hold significant combined market share in Indianapolis. The lack of robust competition is reflected in commercial reimbursement rates that run above the Midwest average. Colonoscopy pricing is particularly sensitive to screening vs. diagnostic coding. A screening colonoscopy is typically covered at 100% under preventive care benefits, but if a polyp is removed or a finding is documented during the same visit, the claim is often re-coded as diagnostic - triggering your deductible and coinsurance. Ambulatory surgery centers perform over 70% of colonoscopies nationally and charge substantially less than hospital outpatient settings.
Received a bill? Check it for errors → Estimate YOUR cost before you go → Managing more than one bill? See the family tracker →
Why prices vary - and what it means for your coverage
Facility classification matters as much as the hospital itself - a hospital-owned outpatient center adds a facility fee that a freestanding clinic does not. The biggest swing for this procedure is screening versus diagnostic coding - a polyp removed during a routine screening can recode the whole visit as diagnostic and trigger cost-sharing you weren't expecting.
What you pay out of pocket on top of this depends on your deductible, your plan's out-of-pocket maximum, and whether every provider involved is in-network - not just the facility.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$582 |
| Deductible met - 20% coinsurance | ~$116 |
| Out-of-network provider | $1,280+ |
Frequently asked questions: colonoscopy costs in Terre Haute, IN
How much does a colonoscopy cost in Terre Haute, IN?
The typical price is $582, with most facilities between $431 and $582. Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $204 to $582 across all 3 Terre Haute, IN hospitals that publish prices. What you pay depends on the facility, your insurance, and whether you have met your deductible.
Where is the cheapest place to get a colonoscopy in Terre Haute, IN?
Based on declared prices, the lowest-cost facility in our Terre Haute, IN data is St. Vincent Clay Hospital, Inc. at about $204. Freestanding ambulatory surgery centers are often cheaper still and may not appear in hospital price data - ask your doctor whether one is an option.
Why is a colonoscopy so much cheaper at some Terre Haute, IN hospitals?
Prices vary up to 2.9× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Terre Haute, IN, the median cash (self-pay) price is $582 versus a median negotiated rate of $2,576 - cash is the lower number at many hospitals. Asking for the cash price as well as your insurer's negotiated rate is often the single biggest lever on what you pay.
How much will I actually pay out of pocket for a colonoscopy in Terre Haute, IN?
Your out-of-pocket cost depends on your deductible, coinsurance, out-of-pocket maximum, and whether the facility is in-network - not just the sticker price. If you have not met your deductible, you will typically pay the negotiated rate in full until you do. Use the CostKits cost forecaster to estimate your specific out-of-pocket amount before you go.
Before you book
- How to read your medical bill
- How to stop medical bill problems before they start
- How to negotiate your medical bills
- Allowed amount vs negotiated rate: what your EOB is really saying
- Understanding your UnitedHealthcare EOB
Other procedures in Terre Haute, IN
Colonoscopy, elsewhere
What matters before you schedule
ASC vs. hospital
Hospital outpatient departments typically charge 2-4x more than ambulatory surgery centers for the same colonoscopy - same outcome, very different bill. Call ahead and ask for a self-pay or cash quote at each setting you're considering.
What's on your bill
A colonoscopy involves multiple providers who bill separately - typically Facility Fee, Gastroenterologist Fee, Anesthesia. Check each line item against your Explanation of Benefits to catch billing errors.
Cost by type
Which type your doctor orders for this colonoscopy changes the billing code, and what you pay. For example: Billed as preventive care - often covered at $0 under the ACA when you are average-risk and in-network.
What to ask before you book
Get the CPT code from your doctor, confirm every provider involved (not just the facility) is in-network, ask for the cash-pay rate if you're uninsured or haven't met your deductible, and request a written estimate for colonoscopy before you schedule.
CostKits compiles hospital price transparency data to help families make informed decisions. Track and manage your healthcare costs (free account).
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About the Author
John Caruso, FSA, MAAA
Healthcare actuary with 20+ years of experience in insurance pricing, medical billing systems, and healthcare cost analytics.
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