Ortho hnd/fngr without jnt cstm w/fit&adj at HCA FLORIDA LARGO HOSPITAL

201 14TH STREET SW, LARGO, FL · HCA Florida Healthcare · · NPI 1144274879

Source: hospital's published price file ↗ · Published Mar 1, 2026 · Ingested Sep 10, 2026

not published by hospital

Cash price

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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.

Full explanation →

What you pay up front if you don't use insurance.

not published by hospital

Gross charge

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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.

Full explanation →

The hospital's undiscounted list price — almost no one pays this.

$295.44 with Humana vs $441.64 with Solis Health Plan — 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 →

Payer
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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
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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 $295.44
United MGMCD $304.58
Devoted Health MCR $304.58
NDMS Definitive Care MCR $304.58
WellMed MCR $304.58
CareSource Tricare $304.58
Ultimate Health Plan MCR $310.67
United MCR $310.67
BCBS MCRPPO $310.67
BCBS MGMCRHMO $310.67
Sunshine State MCR $319.81
BayCare Health Plans MCR $319.81
HUMANA MGMCRPPO $319.81
WellCare MCR $319.81
American Health Plan MCR $322.85
Cigna HealthSpring MCR $325.90
Florida Complete Care MCR $325.90
Align Senior Care MCR $325.90
SECUR MGMCR $328.95
Gold Kidney of Florida Medicare $331.99
Centurion LOGOV $335.04
HUMANA MGMCRHMO $335.04
Clear Spring Health MCR $335.04
CarePlus MGMCR $347.22
Longevity Health Plan MCR $365.50
Solis Health Plan MCR $441.64

Visitor-reported prices

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Ortho hnd/fngr without jnt cstm w/fit&adj at other Florida hospitals

Hospital City Cash price Negotiated range
Adventhealth Lake Wales Lake Wales $918.57 not published
Adventhealth Palm Coast Parkway Palm Coast $1,059.41 not published
AdventHealth New Smyrna Beach New Smyrna Beach $1,059.41 not published
Adventhealth Palm Coast Palm Coast $1,059.41 not published
Adventhealth Waterman Tavares $1,513.43 not published
AdventHealth Orlando Orlando $663.00 $304.58 – $807.14
Adventhealth Carrollwood Tampa $1,513.43 not published
Adventhealth Sebring Sebring $1,477.39 not published

All Florida hospitals for this procedure →