Endoscopy Cost in Worcester, MA (2026): Average Prices & What You'll Pay
What does a endoscopy cost in Worcester, MA?
You could pay $522 or $6,664 for the same endoscopy in Worcester, MA - depending entirely on which facility you choose. The median cash price across 6 reporting hospitals is $3,584. This data comes directly from hospital price transparency files published under federal law. The sections below break this down by coverage and by insurer.
Three low-priced facilities in Worcester, MA, from hospital price files
- ATHOL MEMORIAL HOSPITAL INCORPORATED · Athol, MA $494
- UMass Memorial Health - Harrington Hospital, Inc. $6,709
- HealthAlliance - Clinton Hospital $8,154
Free: the typical range and the facilities above. Add your email and we send the full ranked list of all 6 facilities (PDF) plus a checklist of what to ask before you book. We don't sell your information (privacy policy).
Where endoscopy costs vary in Worcester, MA
Pins show hospitals with price-transparency data (colored by vs. state average) and nearby ambulatory surgery centers and other facilities (colored by type). Click any pin for facility name and estimated cost range.
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Cheapest Endoscopy Providers in Worcester, MA
Based on declared cash/self-pay prices from CMS hospital price transparency files.
| # | Facility | City | Price | vs Median |
|---|---|---|---|---|
| 1 | ATHOL MEMORIAL HOSPITAL INCORPORATED | Athol, MA | $494 | -$3,090 |
| 2 | Hospital name hidden | Your City, MA | $897 | -$000 |
| 3 | Hospital name hidden | Your City, MA | $898 | -$000 |
| 4 | UMass Memorial Health - Harrington Hospital, Inc. | MA | $6,709 | +$3,125 |
| 5 | HealthAlliance - Clinton Hospital | MA | $8,154 | +$4,570 |
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Prices are declared self-pay rates. Contact each facility for a formal quote before scheduling.
Email me this price comparison plus what to ask before booking
Sends a PDF with all 6 facilities ranked cheapest first, plus a short checklist of questions that change what you pay. We don't sell your information (privacy policy).
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?
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Quick take
- ATHOL MEMORIAL HOSPITAL INCORPORATED is the lowest-cost option at $494 - $3,090 below the state median, just by choosing where you go.
- Ask for the cash price if your deductible isn't met - the median cash price here is $3,584, 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) | — | $927 to $2,385 | $1,444 |
| With insurance (commercial, average) | 4 | $2,161 to $2,803 | $2,568 |
| Without insurance (cash price) | 6 | $474 to $7,432 | $3,584 |
| Blue Cross Blue Shield of Massachusetts | 4 | $1,037 to $1,190 | $1,190 |
| Cigna | 4 | $2,149 to $4,600 | $3,427 |
| Aetna | 3 | $4,962 to $5,646 | $5,406 |
| UnitedHealthcare | 3 | $1,164 to $1,177 | $1,175 |
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 an endoscopy cost with Medicare in Worcester, MA?
Medicare's national hospital outpatient payment for endoscopy is about $927 to $2,385 (typically near $1,444). After the $257 Part B deductible, you generally pay 20% of the Medicare-approved amount, about $289 on a $1,444 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 an endoscopy cost with insurance in Worcester, MA?
Across 4 Worcester, MA hospitals, the negotiated rates commercial insurers pay for endoscopy average $2,161 to $2,803 per hospital, with a median near $2,568. 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 an endoscopy cost without insurance in Worcester, MA?
Cash (self-pay) prices for endoscopy at 6 Worcester, MA hospitals range from $474 to $7,432, with a median of $3,584. 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 an endoscopy cost with Blue Cross Blue Shield of Massachusetts in Worcester, MA?
Blue Cross Blue Shield of Massachusetts negotiated rates for endoscopy at 4 Worcester, MA hospitals range from $1,037 to $1,190, with a median near $1,190. 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.
How much does an endoscopy cost with Cigna in Worcester, MA?
Cigna negotiated rates for endoscopy at 4 Worcester, MA hospitals range from $2,149 to $4,600, with a median near $3,427. If a hospital is out of network for your Cigna plan, you may owe more than the negotiated rate, so check the network first.
How much does an endoscopy cost with Aetna in Worcester, MA?
Aetna negotiated rates for endoscopy at 3 Worcester, MA hospitals range from $4,962 to $5,646, with a median near $5,406. If a hospital is out of network for your Aetna plan, you may owe more than the negotiated rate, so check the network first.
How much does an endoscopy cost with UnitedHealthcare in Worcester, MA?
UnitedHealthcare negotiated rates for endoscopy at 3 Worcester, MA hospitals range from $1,164 to $1,177, with a median near $1,175. If a hospital is out of network for your UnitedHealthcare plan, you may owe more than the negotiated rate, so check the network first.
Massachusetts has the highest commercial hospital reimbursement rates in the country, driven by extreme labor costs, the dominance of Mass General Brigham (Partners HealthCare), and a regulatory environment that has struggled to contain negotiated rate growth. The state has enacted multiple price transparency and rate growth laws aimed at curbing this pattern. Self-pay cash discounts in Massachusetts tend to be proportionally larger than in other high-cost states.
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.
On top of the facility price, your actual bill depends on your deductible, your out-of-pocket maximum, and whether every provider involved - not just the facility - is in-network.
| Your situation | Estimated out-of-pocket |
|---|---|
| Deductible not yet met | ~$3,584 |
| Deductible met - 20% coinsurance | ~$717 |
| Out-of-network provider | $7,885+ |
Frequently asked questions: endoscopy costs in Worcester, MA
How much does an endoscopy cost in Worcester, MA?
The typical insurer-negotiated rate is $154, with most facilities between $18 and $267 (based on 6 hospitals reporting negotiated rates). Full market pricing - including cash rates, gross charges, and outlier facilities - ranges more widely, from $454 to $8,154 across all 6 Worcester, MA 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 an endoscopy in Worcester, MA?
Based on declared prices, the lowest-cost facility in our Worcester, MA data is HENRY HEYWOOD MEMORIAL HOSPITAL in Gardner at about $454. 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 an endoscopy so much cheaper at some Worcester, MA hospitals?
Prices vary up to 18× because each hospital sets its own list price, cash discount, and insurer-negotiated rates. In Worcester, MA, the median cash (self-pay) price is $3,584 versus a median negotiated rate of $2,568 - about 1.4× higher. 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 an endoscopy in Worcester, MA?
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
- Allowed amount vs negotiated rate: what your EOB is really saying
- How to read your medical bill
- Deductible vs out-of-pocket max
- Already have a bill? Check it for errors
- How to read an EOB line by line
Other procedures in Worcester, MA
Endoscopy, elsewhere
What matters before you schedule
ASC vs. hospital
Hospital outpatient departments typically charge 2-4x more than ambulatory surgery centers for the same endoscopy - 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 endoscopy 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 endoscopy changes the billing code, and what you pay. For example: Ordered to investigate symptoms or a prior finding - standard cost-sharing (deductible, coinsurance) applies.
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 endoscopy 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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