Lower Back (Lumbar Spine) X-ray (with bending views) at HCA FLORIDA FORT WALTON-DESTIN HOSPITAL

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

Source: hospital's published price file ↗ · Published Sep 1, 2026 · Ingested Sep 24, 2026

not published by hospital

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.

Full explanation →

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

not published by hospital

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.

Full explanation →

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

$245.18 with United vs $5,621.00 with Beacon Health Options — same scan, same building. Share

Negotiated rates by payer
?

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
United AllPayerAppendix $245.18 —
Simply MGMCR $865.63 —
Molina Healthcare MGMCR $1,067.99 —
United OptionsPPO $1,157.93 —
CorVel Corporation WORKERSCOMP $1,306.45 —
Prime Health WC $1,333.95 —
Careworks (Rockport Community) WORKERSCOMP $1,375.21 —
AvMed HMOFI $1,405.25 —
Sunshine State Health Plan QHP $1,433.36 —
Aetna ASA $1,686.30 —
AvMed ASOEO $1,686.30 —
Molina Healthcare HIX $1,798.72 —
United GlobalBenefitPlan $2,529.45 —
AvMed HIXOON $2,810.50 —
Plotkin Health COMM $2,810.50 —
Prime Health Sheriff COMM $2,810.50 —
Prime Health Sheriff WORKERSCOMP $2,810.50 —
Naphcare Prison $3,653.65 —
Evolutions Healthcare MANAGEDCAREPPO $3,653.65 —
Multiplan Primary $4,384.38 —
Evernorth BHCOMM $4,496.80 —
PPO Next COMM $4,777.85 —
PPO Next PPO $4,777.85 —
Multiplan Complementary $4,777.85 —
Evolutions Healthcare TRADITIONALPPO $5,058.90 —
NovaNet COMM $5,058.90 —
Beacon Health Options MCR $5,621.00 —

Visitor-reported prices

visitor-reported
Report what you paid sign in to post

Comments

Add a comment sign in to post

Lower Back (Lumbar Spine) X-ray (with bending views) at other Florida hospitals

Hospital City Cash price Negotiated range
Adventhealth Daytona Beach Daytona Beach $1,934.17 $103.72 – $182.21
Adventhealth Lake Wales Lake Wales $2,748.49 $109.17 – $242.37
Adventhealth Palm Coast Parkway Palm Coast $2,702.27 $103.72 – $286.15
Adventhealth Tampa Tampa $2,843.17 $109.17 – $242.37
AdventHealth New Smyrna Beach New Smyrna Beach $1,055.06 $103.72 – $238.49
Adventhealth Port Charlotte Port Charlotte $1,663.94 $109.17 – $199.35
cleveland clinic florida weston hospital Weston $682.50 $14.72 – $780.30
martin north hospital Stuart $682.50 $13.23 – $459.00

All Florida hospitals for this procedure →