Bld prd mix at HCA FLORIDA GULF COAST HOSPITAL
449 WEST 23RD STREET, PANAMA CITY, FL · HCA Florida Healthcare · · NPI 1699721589
$274.70
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.
$274.70
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.
$35.71 with Oscar vs $247.23 with NovaNet — 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 | $35.71 | ↓ -87% |
| Simply | MGMCR | $42.30 | ↓ -85% |
| Simply Healthcare | HIX | $45.87 | ↓ -83% |
| Molina Healthcare | MGMCR | $52.19 | ↓ -81% |
| AvMed | HMOFI | $65.93 | ↓ -76% |
| United | OptionsPPO | $66.75 | ↓ -76% |
| Sunshine State Health Plan | QHP | $70.05 | ↓ -74% |
| CorVel Corporation | WORKERSCOMP | $74.24 | ↓ -73% |
| Prime Health | WC | $75.81 | ↓ -72% |
| AvMed | ASOEO | $76.92 | ↓ -72% |
| Careworks (Rockport Community) | WORKERSCOMP | $78.15 | ↓ -72% |
| Aetna | ASA | $82.41 | ↓ -70% |
| Molina Healthcare | HIX | $87.90 | ↓ -68% |
| Humana | HMO | $104.39 | ↓ -62% |
| Humana | PPO | $104.39 | ↓ -62% |
| United | GlobalBenefitPlan | $123.61 | ↓ -55% |
| Prime Health Sheriff | WORKERSCOMP | $137.35 | ↓ -50% |
| Prime Health Sheriff | COMM | $137.35 | ↓ -50% |
| AvMed | HIXOON | $137.35 | ↓ -50% |
| Plotkin Health | COMM | $137.35 | ↓ -50% |
| United | AllPayerAppendix | $149.16 | ↓ -46% |
| Multiplan | Primary | $214.27 | ↓ -22% |
| Multiplan | Complementary | $233.50 | ↓ -15% |
| PPO Next | PPO | $233.50 | ↓ -15% |
| PPO Next | COMM | $233.50 | ↓ -15% |
| NovaNet | COMM | $247.23 | ↓ -10% |
| Aetna | QHP | not published by hospital | — |
| Aetna | HMO | not published by hospital | — |
| Aetna | PPO | not published by hospital | — |
Visitor-reported prices
Comments
Bld prd mix at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Ascension Sacred Heart Bay (Bay County Health System, Inc.) | Panama City | $69.60 | $119.80 – $318.22 |
| Adventhealth Port Charlotte | Port Charlotte | $1,101.73 | $177.91 – $324.87 |
| cleveland clinic florida weston hospital | Weston | $117.00 | $46.62 – $195.71 |
| martin north hospital | Stuart | $117.00 | $50.94 – $195.71 |
| Baptist Hospital | MIAMI | $40.95 | $4.32 – $199.26 |
| Bethesda Hospital East | BOYNTON BEACH | $40.95 | $12.66 – $185.03 |
| Boca Raton Regional Hospital | BOCA RATON | $349.05 | $27.51 – $298.42 |
| Doctors Hospital | CORAL GABLES | $40.95 | $11.03 – $199.26 |