Surgical pathology level 5 gross & microscopic examination 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.

$1.95 with Access 2 Healthcare Physicians Freedom Optimum Group Members vs $635.00 with Optum Transplants — 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
Access 2 Healthcare Physicians Freedom Optimum Group Members MGMCR $1.95
Aetna MCR $2.87
Access 2 Healthcare Physicians Freedom Health MGMCR $2.99
Access 2 Healthcare Physicians Optimum MGMCR $2.99
Optimum Healthcare MCRHMO $3.24
Freedom Health Care MGMGR $3.24
Optimum Healthcare PFFS $3.24
Optimum Healthcare MCRPPO $3.24
Suncoast Neighborly Care MedicarePACE $3.33
Simply Healthcare HIX $5.28
Oscar HIX $6.24
Simply Healthcare MGMCR $6.40
United OptionsPPO $6.82
Molina MGMCR $7.90
AvMed HMOFI $9.15
Evolutions Healthcare Systems PrimeTier1 $9.56
AvMed ASOEO $10.39
Sunshine State Health Plan QHP $10.60
Molina HIX $11.23
Humana HMO $11.64
Humana PPO $11.64
Aetna ASA $12.47
United GlobalBenefitPlanAppendix $18.71
Beacon Health Options COMM $20.79
Prime Health Sheriff COMM $20.79
Plotkin Health COMM $20.79
Evolutions Healthcare Systems PRIMENETWORK $22.87
Multiplan PRIMARYPPO $31.18
Evolutions Healthcare Systems ADVANTAGENETWORK $33.26
Evernorth BHCOMM $33.26
Evolutions Healthcare Systems SELECTNETWORK $33.26
Multiplan COMPLEMENTARYPPO $35.34
Evolutions Healthcare Systems CHOICENETWORK $38.25
AvMed HIX $50.80
United AllPayerAppendix $291.26
Emerging Therapy Solutions COMM $425.45
CorVel Corporation WORKERSCOMP $621.86
Rockport Healthcare Group WORKERSCOMP $621.86
Prime Health WorkersComp $634.95
Optum Transplants MCR $635.00
Aetna QHP not published by hospital
Aetna GatedCOMM not published by hospital
Aetna NonGatedCOMM not published by hospital

Visitor-reported prices

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Surgical pathology level 5 gross & microscopic examination at other Florida hospitals

Hospital City Cash price Negotiated range
Adventhealth Daytona Beach Daytona Beach $713.38 $355.60 – $624.74
Adventhealth Lake Wales Lake Wales $915.98 $374.32 – $830.99
Adventhealth Palm Coast Parkway Palm Coast $717.11 $355.60 – $799.51
Adventhealth Tampa Tampa $1,494.75 $374.32 – $830.99
AdventHealth New Smyrna Beach New Smyrna Beach $616.32 $355.60 – $817.70
Adventhealth Port Charlotte Port Charlotte $1,434.09 $374.32 – $683.50
cleveland clinic florida weston hospital Weston $444.60 $47.77 – $684.00
martin north hospital Stuart $445.25 $99.69 – $684.00

All Florida hospitals for this procedure →