Analysis nerve at HCA FLORIDA LARGO HOSPITAL
201 14TH STREET SW, LARGO, FL · HCA Florida Healthcare · · NPI 1144274879
$37.84
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.
$37.84
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.
$1.78 with Access 2 Healthcare Physicians Freedom Optimum Group Members vs $284.64 with Prime Health — 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 |
|---|---|---|---|
| Access 2 Healthcare Physicians Freedom Optimum Group Members | MGMCR | $1.78 | ↓ -95% |
| Aetna | MCR | $2.61 | ↓ -93% |
| Access 2 Healthcare Physicians Freedom Health | MGMCR | $2.72 | ↓ -93% |
| Access 2 Healthcare Physicians Optimum | MGMCR | $2.72 | ↓ -93% |
| Freedom Health Care | MGMGR | $2.95 | ↓ -92% |
| Optimum Healthcare | PFFS | $2.95 | ↓ -92% |
| Optimum Healthcare | MCRPPO | $2.95 | ↓ -92% |
| Optimum Healthcare | MCRHMO | $2.95 | ↓ -92% |
| AvMed | HIX | $3.03 | ↓ -92% |
| Suncoast Neighborly Care | MedicarePACE | $3.03 | ↓ -92% |
| Simply Healthcare | HIX | $4.81 | ↓ -87% |
| Oscar | HIX | $5.68 | ↓ -85% |
| Simply Healthcare | MGMCR | $5.83 | ↓ -85% |
| United | OptionsPPO | $6.21 | ↓ -84% |
| Molina | MGMCR | $7.19 | ↓ -81% |
| AvMed | HMOFI | $8.32 | ↓ -78% |
| Evolutions Healthcare Systems | PrimeTier1 | $8.70 | ↓ -77% |
| AvMed | ASOEO | $9.46 | ↓ -75% |
| Sunshine State Health Plan | QHP | $9.65 | ↓ -74% |
| Molina | HIX | $10.22 | ↓ -73% |
| Humana | HMO | $10.60 | ↓ -72% |
| Humana | PPO | $10.60 | ↓ -72% |
| Aetna | ASA | $11.35 | ↓ -70% |
| United | GlobalBenefitPlanAppendix | $17.03 | ↓ -55% |
| Plotkin Health | COMM | $18.92 | ↓ -50% |
| Prime Health Sheriff | COMM | $18.92 | ↓ -50% |
| Beacon Health Options | COMM | $18.92 | ↓ -50% |
| Evolutions Healthcare Systems | PRIMENETWORK | $20.81 | ↓ -45% |
| Emerging Therapy Solutions | COMM | $25.35 | ↓ -33% |
| Multiplan | PRIMARYPPO | $28.38 | ↓ -25% |
| Evolutions Healthcare Systems | ADVANTAGENETWORK | $30.27 | ↓ -20% |
| Evolutions Healthcare Systems | SELECTNETWORK | $30.27 | ↓ -20% |
| Evernorth | BHCOMM | $30.27 | ↓ -20% |
| Multiplan | COMPLEMENTARYPPO | $32.16 | ↓ -15% |
| Evolutions Healthcare Systems | CHOICENETWORK | $34.81 | ↓ -8% |
| Optum Transplants | MCR | $37.84 | ↑ +0% |
| United | AllPayerAppendix | $49.76 | ↑ +32% |
| CorVel Corporation | WORKERSCOMP | $278.77 | ↑ +637% |
| Rockport Healthcare Group | WORKERSCOMP | $278.77 | ↑ +637% |
| Prime Health | WorkersComp | $284.64 | ↑ +652% |
| Aetna | NonGatedCOMM | not published by hospital | — |
| Aetna | GatedCOMM | not published by hospital | — |
| Aetna | QHP | not published by hospital | — |
Visitor-reported prices
Comments
Analysis nerve at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| HCA FLORIDA MEMORIAL HOSPITAL | JACKSONVILLE | $664.00 | $49.76 – $280.39 |
| Boca Raton Regional Hospital | BOCA RATON | $228.15 | $53.44 – $229.20 |
| HCA FLORIDA CAPITAL HOSPITAL | TALLAHASSEE | $390.30 | $49.76 – $268.93 |
| HCA FLORIDA LAKE MONROE HOSPITAL | SANFORD | $87.00 | $49.76 – $289.52 |
| HCA FLORIDA LAKE CITY HOSPITAL | LIVE OAK | $455.50 | $49.76 – $272.01 |
| HCA FLORIDA PUTNAM HOSPITAL | Palatka | $497.75 | $49.76 – $272.01 |
| OVIEDO MEDICAL CENTER | Oviedo | $87.64 | $49.76 – $280.83 |
| HCA FLORIDA ORANGE PARK HOSPITAL | MIDDLEBURG | $679.54 | $49.76 – $280.39 |