Brain MRI (without contrast) at HCA FLORIDA GULF COAST HOSPITAL
449 WEST 23RD STREET, PANAMA CITY, FL · HCA Florida Healthcare · · NPI 1699721589
$10,210.70
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.
$10,210.70
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.
$517.79 with United vs $9,189.63 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 |
|---|---|---|---|
| United | AllPayerAppendix | $517.79 | ↓ -95% |
| Aetna | QHP | $1,256.00 | ↓ -88% |
| Simply | MGMCR | $1,572.45 | ↓ -85% |
| Aetna | PPO | $1,885.00 | ↓ -82% |
| Aetna | HMO | $1,885.00 | ↓ -82% |
| Molina Healthcare | MGMCR | $1,940.03 | ↓ -81% |
| CorVel Corporation | WORKERSCOMP | $2,282.81 | ↓ -78% |
| Prime Health | WC | $2,330.87 | ↓ -77% |
| Careworks (Rockport Community) | WORKERSCOMP | $2,402.96 | ↓ -76% |
| United | OptionsPPO | $2,481.20 | ↓ -76% |
| Sunshine State Health Plan | QHP | $2,603.73 | ↓ -74% |
| Aetna | ASA | $3,063.21 | ↓ -70% |
| AvMed | HMOFI | $3,110.00 | ↓ -70% |
| Molina Healthcare | HIX | $3,267.42 | ↓ -68% |
| AvMed | ASOEO | $3,418.00 | ↓ -67% |
| United | GlobalBenefitPlan | $4,594.82 | ↓ -55% |
| Prime Health Sheriff | WORKERSCOMP | $5,105.35 | ↓ -50% |
| Plotkin Health | COMM | $5,105.35 | ↓ -50% |
| AvMed | HIXOON | $5,105.35 | ↓ -50% |
| Prime Health Sheriff | COMM | $5,105.35 | ↓ -50% |
| Multiplan | Primary | $7,964.35 | ↓ -22% |
| PPO Next | COMM | $8,679.10 | ↓ -15% |
| Multiplan | Complementary | $8,679.10 | ↓ -15% |
| PPO Next | PPO | $8,679.10 | ↓ -15% |
| NovaNet | COMM | $9,189.63 | ↓ -10% |
Visitor-reported prices
Comments
Brain MRI (without contrast) at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Ascension Sacred Heart Bay (Bay County Health System, Inc.) | Panama City | $900.00 | $242.63 – $1,678.00 |
| Adventhealth Daytona Beach | Daytona Beach | $5,130.95 | $236.71 – $517.67 |
| Adventhealth Lake Wales | Lake Wales | $13,405.00 | $249.17 – $553.15 |
| Adventhealth Palm Coast Parkway | Palm Coast | $4,395.32 | $236.71 – $703.89 |
| Adventhealth Tampa | Tampa | $5,841.17 | $249.17 – $553.15 |
| AdventHealth New Smyrna Beach | New Smyrna Beach | $4,290.74 | $236.71 – $675.95 |
| Adventhealth Port Charlotte | Port Charlotte | $7,833.94 | $249.17 – $454.98 |
| cleveland clinic florida weston hospital | Weston | $1,778.40 | $61.08 – $1,772.25 |