Analysis tumor at HCA FLORIDA FORT WALTON-DESTIN HOSPITAL
1809 GRANADA ST, NAVARRE, FL · HCA Florida Healthcare · · NPI 1639128820
$352.40
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.
$352.40
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.
$45.81 with Oscar vs $352.40 with Beacon Health Options — 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 |
|---|---|---|---|
| Oscar | HIX | $45.81 | ↓ -87% |
| Simply | MGMCR | $54.27 | ↓ -85% |
| Simply Healthcare | HIX | $58.85 | ↓ -83% |
| Molina Healthcare | MGMCR | $66.96 | ↓ -81% |
| United | OptionsPPO | $72.59 | ↓ -79% |
| AvMed | HMOFI | $84.58 | ↓ -76% |
| Sunshine State Health Plan | QHP | $89.86 | ↓ -75% |
| AvMed | ASOEO | $98.67 | ↓ -72% |
| Aetna | ASA | $105.72 | ↓ -70% |
| Molina Healthcare | HIX | $112.77 | ↓ -68% |
| Humana | PPO | $133.91 | ↓ -62% |
| Humana | HMO | $133.91 | ↓ -62% |
| United | AllPayerAppendix | $149.16 | ↓ -58% |
| United | GlobalBenefitPlan | $158.58 | ↓ -55% |
| Prime Health Sheriff | COMM | $176.20 | ↓ -50% |
| AvMed | HIXOON | $176.20 | ↓ -50% |
| Prime Health Sheriff | WORKERSCOMP | $176.20 | ↓ -50% |
| Plotkin Health | COMM | $176.20 | ↓ -50% |
| Evolutions Healthcare | MANAGEDCAREPPO | $229.06 | ↓ -35% |
| Naphcare | Prison | $229.06 | ↓ -35% |
| Multiplan | Primary | $274.87 | ↓ -22% |
| CorVel Corporation | WORKERSCOMP | $277.60 | ↓ -21% |
| Evernorth | BHCOMM | $281.92 | ↓ -20% |
| Prime Health | WC | $283.44 | ↓ -20% |
| Careworks (Rockport Community) | WORKERSCOMP | $292.21 | ↓ -17% |
| Multiplan | Complementary | $299.54 | ↓ -15% |
| PPO Next | COMM | $299.54 | ↓ -15% |
| PPO Next | PPO | $299.54 | ↓ -15% |
| Evolutions Healthcare | TRADITIONALPPO | $317.16 | ↓ -10% |
| NovaNet | COMM | $317.16 | ↓ -10% |
| Beacon Health Options | MCR | $352.40 | ↑ +0% |
| Aetna | HMO | not published by hospital | — |
| Aetna | PPO | not published by hospital | — |
| Aetna | QHP | not published by hospital | — |
Visitor-reported prices
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Analysis tumor at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| HCA FLORIDA MEMORIAL HOSPITAL | JACKSONVILLE | $1,174.00 | $149.16 – $280.39 |
| Baptist Hospital | MIAMI | $608.40 | $101.78 – $842.40 |
| Bethesda Hospital East | BOYNTON BEACH | $608.40 | $101.78 – $842.40 |
| Doctors Hospital | CORAL GABLES | $608.40 | $98.66 – $842.40 |
| Baptist Health Hospital Doral | SOUTH MIAMI | $608.40 | $98.66 – $842.40 |
| Homestead Hospital | HOMESTEAD | $608.40 | $98.66 – $842.40 |
| West Kendall Baptist Hospital | MIAMI | $608.40 | $98.66 – $842.40 |
| HCA FLORIDA BRANDON HOSPITAL | TAMPA | $381.50 | $149.16 – $284.64 |