Analysis nerve at HCA FLORIDA PUTNAM HOSPITAL
611 Zeagler Drive, Palatka, FL · HCA Florida Healthcare · · NPI 1487045100
$497.75
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.
$497.75
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.
$49.76 with United vs $423.09 with Multiplan — 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 |
|---|---|---|---|
| United | AllPayerAppendix | $49.76 | ↓ -90% |
| AvMed | HMOFI | $59.73 | ↓ -88% |
| Oscar | HIX | $59.73 | ↓ -88% |
| Simply Healthcare | HIX | $63.21 | ↓ -87% |
| AvMed | ASOEO | $69.69 | ↓ -86% |
| Simply | MGMCR | $76.65 | ↓ -85% |
| Humana | HMO | $84.62 | ↓ -83% |
| Humana | PPO | $84.62 | ↓ -83% |
| Molina Healthcare | MGMCR | $94.57 | ↓ -81% |
| Evolutions | TieredNetwork | $114.48 | ↓ -77% |
| Sunshine State Health Plan | QHP | $126.93 | ↓ -74% |
| Aetna | ASA | $149.32 | ↓ -70% |
| Molina Healthcare | HIX | $159.28 | ↓ -68% |
| United | OptionsPPO | $163.26 | ↓ -67% |
| United | GlobalBenefitPlan | $223.99 | ↓ -55% |
| Plotkin Health | COMM | $248.88 | ↓ -50% |
| AvMed | HIXOON | $248.88 | ↓ -50% |
| Prime Health Sheriff | COMM | $248.88 | ↓ -50% |
| Prime Health Sheriff | WORKERSCOMP | $248.88 | ↓ -50% |
| CorVel Corporation | WORKERSCOMP | $258.41 | ↓ -48% |
| Prime Health | WC | $263.85 | ↓ -47% |
| Careworks (Rockport Community) | WORKERSCOMP | $272.01 | ↓ -45% |
| Multiplan | Primary | $388.25 | ↓ -22% |
| Multiplan | Complementary | $423.09 | ↓ -15% |
| Aetna | PPO | not published by hospital | — |
| Aetna | QHP | not published by hospital | — |
| Aetna | HMO | not published by hospital | — |
Visitor-reported prices
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Analysis nerve at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| HCA FLORIDA MEMORIAL HOSPITAL | JACKSONVILLE | $664.00 | $49.76 – $280.39 |
| Boca Raton Regional Hospital | BOCA RATON | $228.15 | $53.44 – $229.20 |
| HCA FLORIDA CAPITAL HOSPITAL | TALLAHASSEE | $390.30 | $49.76 – $268.93 |
| HCA FLORIDA LAKE MONROE HOSPITAL | SANFORD | $87.00 | $49.76 – $289.52 |
| HCA FLORIDA LAKE CITY HOSPITAL | LIVE OAK | $455.50 | $49.76 – $272.01 |
| HCA FLORIDA LARGO HOSPITAL | LARGO | $37.84 | $49.76 – $284.64 |
| OVIEDO MEDICAL CENTER | Oviedo | $87.64 | $49.76 – $280.83 |
| HCA FLORIDA ORANGE PARK HOSPITAL | MIDDLEBURG | $679.54 | $49.76 – $280.39 |