Biliary endoscopy thru skin at CHI St. Vincent Hospital Hot Springs
300 Werner Street, Hot Springs, AR · CommonSpirit Health · · NPI 1619915949
$4,891.00
Cash price Discounted cash price What a hospital charges a self-pay patient who pays directly, without going through insurance — usually well below the gross charge. Example: A CT scan has a $3,200 gross charge but an $850 discounted cash price. Ask for it by name when scheduling — hospitals don't always advertise it up front.
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What you pay up front if you don't use insurance.
$4,891.00
Gross charge Gross charge (chargemaster price) The hospital's full, undiscounted list price — pulled from its internal "chargemaster" price list. Almost no one actually pays this. Example: A chest X-ray has a gross charge of $1,450. The same hospital's discounted cash price for the same X-ray is $180 — the gross charge mostly anchors negotiations, not what patients pay.
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The hospital's undiscounted list price — almost no one pays this.
$674.19 with Empower vs $8,835.04 with Centene — same scan, same building. Share
Negotiated rates by payer
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Negotiated rate
The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.
Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.
Full explanation →
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Negotiated rate
The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.
Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.
Full explanation →Payer ?Payer The insurance company footing the bill — Aetna, UnitedHealthcare, Medicare, and so on. Example: "Blue Cross Blue Shield" is the payer. Its negotiated rate for an MRI might be $904, while a different payer's negotiated rate for the same scan is $1,509. Full explanation → |
Plan ?Plan The specific product an insurer sells — e.g. "Blue Cross PPO 500" — which sets your deductible, coinsurance and negotiated rates. Example: Two people both insured by Aetna can owe very different amounts for the same MRI: $50 with an HMO plan's flat copay, or the full $1,200 toward a high-deductible PPO plan's unmet deductible. Full explanation → |
Negotiated rate | vs. cash |
|---|---|---|---|
| Empower | Medicaid|All Plans | $674.19 | ↓ -86% |
| TotalCare | Medicaid|All Plans | $674.19 | ↓ -86% |
| Summit | Medicaid|All Plans | $674.19 | ↓ -86% |
| Humana | Commercial|All Plans | $1,410.56 | ↓ -71% |
| Cigna | Commercial|AHN | $1,672.00 | ↓ -66% |
| Cigna | Commercial|NBR | $1,774.00 | ↓ -64% |
| Cigna | Commercial|All Other Plans | $1,970.00 | ↓ -60% |
| Centene | Commercial|QualChoice | $2,023.00 | ↓ -59% |
| BCBS - AR | Commercial|TrueBlue Exchange | $3,602.26 | ↓ -26% |
| BCBS - AR | Commercial|All Other Plans | $3,602.26 | ↓ -26% |
| Municipal Health Benefits | Commercial|All Plans | $3,671.00 | ↓ -25% |
| Multiplan | Commercial|All Plans | $3,912.80 | ↓ -20% |
| Aetna | Commercial|All Other Plans | $3,912.80 | ↓ -20% |
| Aetna | Commercial|PPO | $3,912.80 | ↓ -20% |
| Aetna | Commercial|HMO | $3,912.80 | ↓ -20% |
| Humana | Medicare|All Plans | $5,932.38 | ↑ +21% |
| BCBS - AR | Medicare|PFFS | $5,932.38 | ↑ +21% |
| United | Commercial|Options | $6,078.00 | ↑ +24% |
| United | Commercial|Non-Options | $6,078.00 | ↑ +24% |
| BCBS - AR | Medicare|HMO PPO | $6,110.35 | ↑ +25% |
| Cigna | Medicare|Healthspring | $6,110.35 | ↑ +25% |
| United | Medicare|All Plans | $6,110.35 | ↑ +25% |
| Centene | Medicare|Allwell | $6,229.00 | ↑ +27% |
| Aetna | Medicare|All Plans | $6,229.00 | ↑ +27% |
| Centene | Commercial|Ambetter Exchange | $8,835.04 | ↑ +81% |