Fern test at HCA FLORIDA POINCIANA HOSPITAL
8460 CHAMPIONS GATE BLVD, DAVENPORT, FL · HCA Florida Healthcare · · NPI 1912246786
$385.70
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.
$385.70
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.
$8.83 with Humana vs $327.85 with Multiplan — 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 |
|---|---|---|---|
| Humana | TRICARE | $8.83 | ↓ -98% |
| Devoted Health | MCR | $9.74 | ↓ -97% |
| Wellmed | MGMCR | $9.74 | ↓ -97% |
| United | VACCN | $9.74 | ↓ -97% |
| United | AllPayerAppendix | $9.74 | ↓ -97% |
| Humana | MGMCRHMO | $9.74 | ↓ -97% |
| NDMS Definitive Care | MGMCR | $9.74 | ↓ -97% |
| FL Health Care Plan | MCR | $9.93 | ↓ -97% |
| United | MCR | $9.93 | ↓ -97% |
| BCBS | MCRHMO | $9.93 | ↓ -97% |
| BCBS | MCRPPO | $9.93 | ↓ -97% |
| Aetna | MCR | $9.98 | ↓ -97% |
| Sunshine State | MCR | $10.23 | ↓ -97% |
| WellCare | MCR | $10.23 | ↓ -97% |
| American Health Plan | MCR | $10.32 | ↓ -97% |
| AvMed | MGMCR | $10.32 | ↓ -97% |
| Cigna Healthspring | MCR | $10.42 | ↓ -97% |
| Align Senior Care | MGMCR | $10.42 | ↓ -97% |
| Florida Complete Care | MCR | $10.42 | ↓ -97% |
| Gold Kidney of Florida | MCR | $10.62 | ↓ -97% |
| Centurion | GVT | $10.71 | ↓ -97% |
| Clear Spring Health | MCR | $10.71 | ↓ -97% |
| CarePlus | MGMCR | $11.10 | ↓ -97% |
| Ultimate Health Plan | MCR | $11.20 | ↓ -97% |
| Longevity Health Plan | MCR | $11.69 | ↓ -97% |
| Oscar | HIX | $14.12 | ↓ -96% |
| Solis Health Plan | MCR | $14.12 | ↓ -96% |
| Simply Healthcare | HIX | $15.19 | ↓ -96% |
| Optimum | MGMCR | $27.77 | ↓ -93% |
| Freedom Health | MCR | $27.77 | ↓ -93% |
| Humana | MGMCRPPO | $29.22 | ↓ -92% |
| AvMed | HIX | $30.86 | ↓ -92% |
| Simply | MGMCR | $59.40 | ↓ -85% |
| Molina Healthcare | MGMCR | $73.28 | ↓ -81% |
| Evolutions | TieredNetwork | $88.71 | ↓ -77% |
| AvMed | HMOFI | $92.57 | ↓ -76% |
| Sunshine State Health Plan | QHP | $98.35 | ↓ -75% |
| Molina Healthcare | HIX | $104.14 | ↓ -73% |
| Humana | PPO | $108.00 | ↓ -72% |
| AvMed | ASOEO | $108.00 | ↓ -72% |
| Humana | HMO | $108.00 | ↓ -72% |
| Aetna | ASA | $115.71 | ↓ -70% |
| United | OptionsPPO | $126.51 | ↓ -67% |
| United | GlobalBenefitPlan | $173.56 | ↓ -55% |
| Plotkin Health | COMM | $192.85 | ↓ -50% |
| Prime Health Sheriff | COMM | $192.85 | ↓ -50% |
| Prime Health Sheriff | WORKERSCOMP | $192.85 | ↓ -50% |
| AvMed | HIXOON | $192.85 | ↓ -50% |
| Multiplan | PRIMARYPPO | $289.27 | ↓ -25% |
| Multiplan | Primary | $300.85 | ↓ -22% |
| Multiplan | Complementary | $327.85 | ↓ -15% |
| Multiplan | COMPLEMENTARYPPO | $327.85 | ↓ -15% |
| Aetna | PPO | not published by hospital | — |
| Aetna | QHP | not published by hospital | — |
| Aetna | HMO | not published by hospital | — |
Visitor-reported prices
Comments
Fern test at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| cleveland clinic florida weston hospital | Weston | $34.45 | $2.34 – $45.05 |
| martin north hospital | Stuart | $34.45 | $2.46 – $39.75 |
| indian river hospital | Vero Beach | $34.45 | $2.34 – $42.40 |
| Ascension St. Vincent's Southside (St. Luke's-St. Vincent's HealthCare, Inc.) | Jacksonville | $5.74 | $8.57 – $9.74 |
| Ascension Sacred Heart Pensacola (Sacred Heart Health System, Inc.) | Pensacola | $27.04 | $9.74 – $36.96 |
| Ascension St. Vincent's Clay County (St. Vincent's Medical Center, Inc.) | Middleburg | $5.74 | $8.57 – $9.74 |
| HCA FLORIDA HIGHLANDS HOSPITAL | Sebring | $223.00 | $9.74 – $22.01 |
| HCA FLORIDA TRINITY HOSPITAL | TRINITY | $274.05 | $8.83 – $14.12 |