MRI chest without & w/contrast at HCA FLORIDA GULF COAST HOSPITAL
449 WEST 23RD STREET, PANAMA CITY, FL · HCA Florida Healthcare · · NPI 1699721589
$15,689.50
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.
$15,689.50
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.
$828.27 with United vs $14,120.55 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 | $828.27 | ↓ -95% |
| Aetna | QHP | $1,256.00 | ↓ -92% |
| Aetna | HMO | $1,885.00 | ↓ -88% |
| Aetna | PPO | $1,885.00 | ↓ -88% |
| Simply | MGMCR | $2,416.18 | ↓ -85% |
| Molina Healthcare | MGMCR | $2,981.01 | ↓ -81% |
| AvMed | HMOFI | $3,110.00 | ↓ -80% |
| CorVel Corporation | WORKERSCOMP | $3,306.14 | ↓ -79% |
| Prime Health | WC | $3,375.75 | ↓ -78% |
| AvMed | ASOEO | $3,418.00 | ↓ -78% |
| Careworks (Rockport Community) | WORKERSCOMP | $3,480.15 | ↓ -78% |
| United | OptionsPPO | $3,812.55 | ↓ -76% |
| Sunshine State Health Plan | QHP | $4,000.82 | ↓ -75% |
| Aetna | ASA | $4,706.85 | ↓ -70% |
| Molina Healthcare | HIX | $5,020.64 | ↓ -68% |
| United | GlobalBenefitPlan | $7,060.27 | ↓ -55% |
| Prime Health Sheriff | WORKERSCOMP | $7,844.75 | ↓ -50% |
| Plotkin Health | COMM | $7,844.75 | ↓ -50% |
| AvMed | HIXOON | $7,844.75 | ↓ -50% |
| Prime Health Sheriff | COMM | $7,844.75 | ↓ -50% |
| Multiplan | Primary | $12,237.81 | ↓ -22% |
| PPO Next | COMM | $13,336.08 | ↓ -15% |
| Multiplan | Complementary | $13,336.08 | ↓ -15% |
| PPO Next | PPO | $13,336.08 | ↓ -15% |
| NovaNet | COMM | $14,120.55 | ↓ -10% |
Visitor-reported prices
Comments
MRI chest without & w/contrast at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Ascension Sacred Heart Bay (Bay County Health System, Inc.) | Panama City | $799.60 | $358.48 – $1,193.61 |
| Adventhealth Daytona Beach | Daytona Beach | $6,295.83 | $346.11 – $865.63 |
| Adventhealth Lake Wales | Lake Wales | $11,302.34 | $364.32 – $958.38 |
| Adventhealth Palm Coast Parkway | Palm Coast | $5,702.71 | $346.11 – $1,177.02 |
| Adventhealth Tampa | Tampa | $7,513.52 | $364.32 – $808.79 |
| AdventHealth New Smyrna Beach | New Smyrna Beach | $5,994.31 | $346.11 – $1,130.31 |
| Adventhealth Port Charlotte | Port Charlotte | $9,053.14 | $364.32 – $687.95 |
| cleveland clinic florida weston hospital | Weston | $2,589.60 | $93.47 – $2,618.00 |