#cf-97variants at HCA FLORIDA GULF COAST HOSPITAL
449 WEST 23RD STREET, PANAMA CITY, FL · HCA Florida Healthcare · · NPI 1699721589
$62.85
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.
$62.85
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.
$9.68 with Simply vs $868.30 with Simply Healthcare — 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 |
|---|---|---|---|
| Simply | MGMCR | $9.68 | ↓ -85% |
| Molina Healthcare | MGMCR | $11.94 | ↓ -81% |
| AvMed | HMOFI | $15.08 | ↓ -76% |
| United | OptionsPPO | $15.27 | ↓ -76% |
| Sunshine State Health Plan | QHP | $16.03 | ↓ -74% |
| AvMed | ASOEO | $17.60 | ↓ -72% |
| Aetna | ASA | $18.86 | ↓ -70% |
| Molina Healthcare | HIX | $20.11 | ↓ -68% |
| Humana | HMO | $23.88 | ↓ -62% |
| Humana | PPO | $23.88 | ↓ -62% |
| United | GlobalBenefitPlan | $28.28 | ↓ -55% |
| Prime Health Sheriff | WORKERSCOMP | $31.43 | ↓ -50% |
| Prime Health Sheriff | COMM | $31.43 | ↓ -50% |
| AvMed | HIXOON | $31.43 | ↓ -50% |
| Plotkin Health | COMM | $31.43 | ↓ -50% |
| Multiplan | Primary | $49.02 | ↓ -22% |
| Multiplan | Complementary | $53.42 | ↓ -15% |
| PPO Next | PPO | $53.42 | ↓ -15% |
| PPO Next | COMM | $53.42 | ↓ -15% |
| NovaNet | COMM | $56.56 | ↓ -10% |
| CorVel Corporation | WORKERSCOMP | $97.95 | ↑ +56% |
| Prime Health | WC | $100.02 | ↑ +59% |
| Careworks (Rockport Community) | WORKERSCOMP | $103.11 | ↑ +64% |
| Humana | TRICARE | $504.49 | ↑ +703% |
| TriWest Healthcare Alliance | FED | $545.47 | ↑ +768% |
| Wellmed | MGMCR | $556.60 | ↑ +786% |
| Humana | MGMCRHMO | $556.60 | ↑ +786% |
| Hospice Big Bend | FED | $556.60 | ↑ +786% |
| United | VACCN | $556.60 | ↑ +786% |
| United | AllPayerAppendix | $556.60 | ↑ +786% |
| Humana | MGMCRPPO | $556.60 | ↑ +786% |
| NDMS Definitive Care | MGMCR | $556.60 | ↑ +786% |
| Veterans Evaluation Services | MCR | $556.60 | ↑ +786% |
| United | MCR | $567.73 | ↑ +803% |
| BCBS | MCRPPO | $567.73 | ↑ +803% |
| BCBS | MCRHMO | $567.73 | ↑ +803% |
| Aetna | MCR | $570.51 | ↑ +808% |
| WellCare | MCR | $584.43 | ↑ +830% |
| Sunshine State | MCR | $584.43 | ↑ +830% |
| American Health Plan | MCR | $590.00 | ↑ +839% |
| Align Senior Care | MGMCR | $595.56 | ↑ +848% |
| Florida Complete Care | MCR | $595.56 | ↑ +848% |
| Healthspring of Florida | MGMGR | $595.56 | ↑ +848% |
| Gold Kidney of Florida | MCR | $606.69 | ↑ +865% |
| Clear Spring Health | MCR | $612.26 | ↑ +874% |
| Centurion | GVT | $612.26 | ↑ +874% |
| Ultimate Health Plan | MCR | $640.09 | ↑ +918% |
| Longevity Health Plan | MCR | $667.92 | ↑ +963% |
| Oscar | HIX | $751.41 | ↑ +1096% |
| Simply Healthcare | HIX | $868.30 | ↑ +1282% |
| Aetna | PPO | not published by hospital | — |
| Aetna | HMO | not published by hospital | — |
| Aetna | QHP | not published by hospital | — |
Visitor-reported prices
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#cf-97variants at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Ascension Sacred Heart Bay (Bay County Health System, Inc.) | Panama City | not published | $556.60 – $2,093.44 |
| Adventhealth Daytona Beach | Daytona Beach | $1,691.38 | $528.77 – $928.97 |
| Adventhealth Palm Coast Parkway | Palm Coast | $1,580.47 | $528.77 – $1,188.84 |
| AdventHealth New Smyrna Beach | New Smyrna Beach | $1,194.28 | $528.77 – $1,215.89 |
| Adventhealth Port Charlotte | Port Charlotte | $3,717.42 | $556.60 – $1,016.35 |
| cleveland clinic florida weston hospital | Weston | $518.70 | $170.10 – $681.00 |
| martin north hospital | Stuart | $518.70 | $163.20 – $612.26 |
| indian river hospital | Vero Beach | $375.05 | $135.02 – $612.26 |