Lev 3 hosp type b ed visit at HCA FLORIDA GULF COAST HOSPITAL
449 WEST 23RD STREET, PANAMA CITY, FL · HCA Florida Healthcare · · NPI 1699721589
$5,031.45
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.
$5,031.45
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.
$821.17 with CorVel Corporation vs $10,991.00 with Cigna — 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 |
|---|---|---|---|
| CorVel Corporation | WORKERSCOMP | $821.17 | ↓ -84% |
| Prime Health | WC | $838.46 | ↓ -83% |
| Careworks (Rockport Community) | WORKERSCOMP | $864.39 | ↓ -83% |
| Molina Healthcare | HIX | $960.00 | ↓ -81% |
| United | OptionsPPO | $1,222.64 | ↓ -76% |
| Sunshine State Health Plan | QHP | $1,507.00 | ↓ -70% |
| Aetna | ASA | $1,509.43 | ↓ -70% |
| BCBS | MBN | $1,608.00 | ↓ -68% |
| BCBS | BSL | $1,608.00 | ↓ -68% |
| BCBS | SBN | $1,608.00 | ↓ -68% |
| Oscar | HIX | $1,902.00 | ↓ -62% |
| Simply Healthcare | HIX | $2,046.00 | ↓ -59% |
| BCBS | HMO | $2,152.00 | ↓ -57% |
| BCBS | NWB | $2,199.00 | ↓ -56% |
| BCBS | PPO | $2,199.00 | ↓ -56% |
| United | GlobalBenefitPlan | $2,264.15 | ↓ -55% |
| Plotkin Health | COMM | $2,515.72 | ↓ -50% |
| Prime Health Sheriff | WORKERSCOMP | $2,515.72 | ↓ -50% |
| Prime Health Sheriff | COMM | $2,515.72 | ↓ -50% |
| AvMed | HIXOON | $2,515.72 | ↓ -50% |
| Evolutions | COMM | $2,767.30 | ↓ -45% |
| Multiplan | Primary | $3,924.53 | ↓ -22% |
| United | AllPayerAppendix | $3,982.00 | ↓ -21% |
| PPO Next | COMM | $4,276.73 | ↓ -15% |
| Multiplan | Complementary | $4,276.73 | ↓ -15% |
| PPO Next | PPO | $4,276.73 | ↓ -15% |
| NovaNet | COMM | $4,528.31 | ↓ -10% |
| Cigna | NBN | $4,595.00 | ↓ -9% |
| BCBS | PHS | $4,756.00 | ↓ -5% |
| AvMed | HMOFI | $5,193.00 | ↑ +3% |
| AvMed | ASOEO | $5,704.00 | ↑ +13% |
| Cigna | ManagedCareHMO | $10,991.00 | ↑ +118% |
| Cigna | PPO | $10,991.00 | ↑ +118% |
Visitor-reported prices
Comments
Lev 3 hosp type b ed visit at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| HCA FLORIDA BRANDON HOSPITAL | TAMPA | $2,695.00 | $894.78 – $913.61 |
| HCA FLORIDA CITRUS HOSPITAL | Inverness | $3,660.36 | $832.59 – $850.12 |
| HCA FLORIDA BAYONET POINT HOSPITAL | HUDSON | $4,121.26 | $894.78 – $913.61 |
| HCA FLORIDA NORTHWEST HOSPITAL | MARGATE | $992.00 | $968.99 – $989.39 |
| HCA FLORIDA OAK HILL HOSPITAL | BROOKSVILLE | $3,196.60 | $894.78 – $913.61 |
| HCA FLORIDA TRINITY HOSPITAL | TRINITY | $2,848.04 | $894.78 – $913.61 |
| HCA FLORIDA OCALA HOSPITAL | SUMMERFIELD | $3,389.29 | $840.70 – $884.95 |
| UCF LAKE NONA HOSPITAL | Orlando | $784.38 | $882.83 – $901.41 |