Pt evaluation moderate complexity patient/family at Ascension Sacred Heart Bay (Bay County Health System, Inc.)
615 N. Bonita Ave, Panama City, FL · Ascension · · NPI 1720078041
$149.20
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.
$373.00
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.
$95.80 with MEDICARE ADVANTAGE vs $317.05 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 |
|---|---|---|---|
| MEDICARE ADVANTAGE | 2608_MEDICARE REPLACEMENT INPATIENT BMFL 20251001 | $95.80 | ↓ -36% |
| WELLCARE | 2492_MEDICARE ADVANTAGE WELLCARE OUTPATIENT BMFL 20250101 | $95.80 | ↓ -36% |
| BLUE MCR REPLACEMENT | 2596_MEDICARE ADVANTAGE BLUE INPATIENT BMFL 20251001 | $95.80 | ↓ -36% |
| FACILITY BILLING - OP | 1472_FACILITY BILLING OUTPATIENT PSH 20190101 | $95.80 | ↓ -36% |
| WELLCARE | 2604_MEDICARE ADVANTAGE WELLCARE INPATIENT BMFL 20251001 | $95.80 | ↓ -36% |
| BLUE MCR REPLACEMENT | 2432_MEDICARE ADVANTAGE BLUE OUTPATIENT BMFL 20250101 | $95.80 | ↓ -36% |
| MEDICARE ADVANTAGE | 2439_MEDICARE REPLACEMENT OUTPATIENT BMFL 20250101 | $95.80 | ↓ -36% |
| UHC MEDICARE | 2550_UHC MEDICARE ADVANTAGE OUTPATIENT BMFL 20250501 | $96.76 | ↓ -35% |
| HEALTHSPRING MCR REPLACEMENT | 2434_MEDICARE ADVANTAGE CIGNA HEALTHSPRING OUTPATIENT BMFL 20250101 | $96.76 | ↓ -35% |
| UHC MEDICARE | 2614_UHC MEDICARE ADVANTAGE INPATIENT BMFL 20251001 | $96.76 | ↓ -35% |
| HEALTHSPRING MCR REPLACEMENT | 2598_MEDICARE ADVANTAGE CIGNA HEALTHSPRING INPATIENT BMFL 20251001 | $97.72 | ↓ -35% |
| AETNA MCR REPLACEMENT | 2430_AETNA MEDICARE REPLACEMENT OUTPATIENT BMFL 20250101 | $98.67 | ↓ -34% |
| HUMANA GOLD CHOICE MCR REPLACEMENT | 2436_MEDICARE ADVANTAGE HUMANA GOLD OUTPATIENT BMFL 20250101 | $98.67 | ↓ -34% |
| AETNA MCR REPLACEMENT | 2594_AETNA MEDICARE REPLACEMENT INPATIENT BMFL 20251001 | $98.67 | ↓ -34% |
| HUMANA GOLD CHOICE MCR REPLACEMENT | 2600_MEDICARE ADVANTAGE HUMANA GOLD INPATIENT BMFL 20251001 | $98.67 | ↓ -34% |
| SMARTHEALTH | 2610_SMARTHEALTH INPATIENT 20251001 | $134.12 | ↓ -10% |
| SMARTHEALTH | 2442_SMARTHEALTH OUTPATIENT 20250101 | $134.12 | ↓ -10% |
| ENCOMPASS HEALTH REHABILITATION | 2431_ENCOMPASS HEALTH REHABILITATION MEDICARE OUTPATIENT BMFL 20250101 | $143.70 | ↓ -4% |
| AETNA | 2495_AETNA BMFL 20250701 | $148.00 | ↓ -1% |
| OSCAR HEALTH PLAN | 2456_OSCAR HEALTH PLAN OUTPATIENT 20250401 | $153.28 | ↑ +3% |
| OSCAR HEALTH PLAN | 2609_OSCAR HEALTH PLAN INPATIENT 20251001 | $153.28 | ↑ +3% |
| AMBETTER COMMERCIAL-EXCHANGE | 2611_SUNSHINE HEALTH AMBETTER COMMERCIAL INPATIENT PSH 20251001 | $158.07 | ↑ +6% |
| AMBETTER COMMERCIAL-EXCHANGE | 2426_SUNSHINE HEALTH AMBETTER COMMERCIAL OUTPATIENT PSH 20250101 | $158.07 | ↑ +6% |
| OCCUNET | 2114_MEDICARE ADVANTAGE OCCUNET OUTPATIENT 20221201 | $177.23 | ↑ +19% |
| OCCUNET | 2603_MEDICARE ADVANTAGE OCCUNET INPATIENT 20251001 | $215.55 | ↑ +44% |
| MULTIPLAN | 1824_MULTIPLAN PSH 20210101 | $317.05 | ↑ +113% |
Visitor-reported prices
Comments
Pt evaluation moderate complexity patient/family at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| HCA FLORIDA GULF COAST HOSPITAL | PANAMA CITY | not published | $82.79 – $101.38 |
| Adventhealth Daytona Beach | Daytona Beach | $384.35 | $91.20 – $160.22 |
| Adventhealth Lake Wales | Lake Wales | $589.05 | $96.00 – $213.12 |
| Adventhealth Palm Coast Parkway | Palm Coast | $448.92 | not published |
| Adventhealth Tampa | Tampa | $660.51 | $96.00 – $213.12 |
| AdventHealth New Smyrna Beach | New Smyrna Beach | $444.78 | $91.20 – $209.71 |
| HCA FLORIDA MEMORIAL HOSPITAL | JACKSONVILLE | $900.00 | $67.58 – $101.38 |
| Adventhealth Port Charlotte | Port Charlotte | $765.67 | not published |