Car seat/bed test 60 minutes at HCA FLORIDA GULF COAST HOSPITAL
449 WEST 23RD STREET, PANAMA CITY, FL · HCA Florida Healthcare · · NPI 1699721589
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.
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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.
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The hospital's undiscounted list price — almost no one pays this.
$42.85 with Oscar vs $296.68 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 | $42.85 | — |
| Aetna | QHP | $50.11 | — |
| Simply | MGMCR | $50.77 | — |
| Simply Healthcare | HIX | $55.05 | — |
| Cigna | NBN | $57.36 | — |
| Molina Healthcare | MGMCR | $62.63 | — |
| Aetna | PPO | $69.56 | — |
| Aetna | HMO | $69.56 | — |
| AvMed | HMOFI | $79.12 | — |
| United | OptionsPPO | $80.10 | — |
| Sunshine State Health Plan | QHP | $84.06 | — |
| AvMed | ASOEO | $92.30 | — |
| Aetna | ASA | $98.89 | — |
| Molina Healthcare | HIX | $105.49 | — |
| Humana | HMO | $125.27 | — |
| Humana | PPO | $125.27 | — |
| Cigna | PPO | $136.80 | — |
| Cigna | ManagedCareHMO | $136.80 | — |
| United | GlobalBenefitPlan | $148.34 | — |
| Plotkin Health | COMM | $164.82 | — |
| Prime Health Sheriff | WORKERSCOMP | $164.82 | — |
| Prime Health Sheriff | COMM | $164.82 | — |
| AvMed | HIXOON | $164.82 | — |
| CorVel Corporation | WORKERSCOMP | $213.79 | — |
| Prime Health | WC | $218.29 | — |
| Careworks (Rockport Community) | WORKERSCOMP | $225.04 | — |
| Multiplan | Primary | $257.13 | — |
| Multiplan | Complementary | $280.20 | — |
| PPO Next | PPO | $280.20 | — |
| PPO Next | COMM | $280.20 | — |
| NovaNet | COMM | $296.68 | — |
Visitor-reported prices
Comments
Car seat/bed test 60 minutes at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Ascension Sacred Heart Bay (Bay County Health System, Inc.) | Panama City | not published | $39.40 – $72.89 |
| Adventhealth Daytona Beach | Daytona Beach | $247.03 | not published |
| Adventhealth Tampa | Tampa | $418.76 | not published |
| Adventhealth Port Charlotte | Port Charlotte | $168.64 | $39.00 – $71.22 |
| martin north hospital | Stuart | $146.90 | $17.92 – $144.00 |
| indian river hospital | Vero Beach | $146.90 | $11.50 – $180.80 |
| Baptist Hospital | MIAMI | $202.15 | $36.79 – $279.90 |
| Bethesda Hospital East | BOYNTON BEACH | $202.15 | $36.79 – $279.90 |