Head CT scan (with and without contrast) at HCA FLORIDA FORT WALTON-DESTIN HOSPITAL

1809 GRANADA ST, NAVARRE, FL · HCA Florida Healthcare · · NPI 1639128820

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.

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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.

$401.74 with United vs $21,177.15 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 →

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
United AllPayerAppendix $401.74
AvMed HMOFI $1,695.00
Aetna QHP $1,696.00
AvMed ASOEO $1,863.00
Aetna PPO $2,543.00
Aetna HMO $2,543.00
CorVel Corporation WORKERSCOMP $2,815.75
Prime Health WC $2,875.03
Careworks (Rockport Community) WORKERSCOMP $2,963.95
Simply MGMCR $3,261.28
Molina Healthcare MGMCR $4,023.66
United OptionsPPO $4,362.49
Sunshine State Health Plan QHP $5,400.17
Aetna ASA $6,353.15
Molina Healthcare HIX $6,776.69
United GlobalBenefitPlan $9,529.72
Plotkin Health COMM $10,588.58
AvMed HIXOON $10,588.58
Prime Health Sheriff COMM $10,588.58
Prime Health Sheriff WORKERSCOMP $10,588.58
Naphcare Prison $13,765.15
Evolutions Healthcare MANAGEDCAREPPO $13,765.15
Multiplan Primary $16,518.18
Evernorth BHCOMM $16,941.72
Multiplan Complementary $18,000.58
PPO Next PPO $18,000.58
PPO Next COMM $18,000.58
Evolutions Healthcare TRADITIONALPPO $19,059.44
NovaNet COMM $19,059.44
Beacon Health Options MCR $21,177.15

Visitor-reported prices

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Head CT scan (with and without contrast) at other Florida hospitals

Hospital City Cash price Negotiated range
Adventhealth Daytona Beach Daytona Beach $4,321.00 $174.01 – $492.42
Adventhealth Lake Wales Lake Wales $8,741.72 $183.17 – $530.75
Adventhealth Palm Coast Parkway Palm Coast $3,918.52 $174.01 – $669.56
Adventhealth Tampa Tampa $9,524.76 $183.17 – $429.66
AdventHealth New Smyrna Beach New Smyrna Beach $4,553.52 $174.01 – $642.98
Adventhealth Port Charlotte Port Charlotte $9,698.88 $183.17 – $391.35
cleveland clinic florida weston hospital Weston $1,361.10 $52.70 – $1,304.75
martin north hospital Stuart $997.75 $47.15 – $767.50

All Florida hospitals for this procedure →