St treatment speech individual 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.
$71.36 with Humana vs $534.60 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 |
|---|---|---|---|
| Humana | TRICARE | $71.36 | — |
| TriWest Healthcare Alliance | FED | $73.40 | — |
| NDMS Definitive Care | MGMCR | $74.90 | — |
| Humana | MGMCRHMO | $74.90 | — |
| Humana | MGMCRPPO | $74.90 | — |
| United | VACCN | $74.90 | — |
| Veterans Evaluation Services | MCR | $74.90 | — |
| Wellmed | MGMCR | $74.90 | — |
| Hospice Big Bend | FED | $74.90 | — |
| United | MCR | $76.40 | — |
| BCBS | MCRHMO | $76.40 | — |
| BCBS | MCRPPO | $76.40 | — |
| Aetna | MCR | $76.77 | — |
| Oscar | HIX | $77.22 | — |
| Sunshine State | MCR | $78.65 | — |
| WellCare | MCR | $78.65 | — |
| American Health Plan | MCR | $79.39 | — |
| Healthspring of Florida | MGMGR | $80.14 | — |
| Florida Complete Care | MCR | $80.14 | — |
| Align Senior Care | MGMCR | $80.14 | — |
| Gold Kidney of Florida | MCR | $81.64 | — |
| Clear Spring Health | MCR | $82.39 | — |
| Centurion | GVT | $82.39 | — |
| CorVel Corporation | WORKERSCOMP | $83.60 | — |
| Prime Health | WC | $85.36 | — |
| Ultimate Health Plan | MCR | $86.14 | — |
| Careworks (Rockport Community) | WORKERSCOMP | $88.00 | — |
| Longevity Health Plan | MCR | $89.88 | — |
| Simply Healthcare | HIX | $99.20 | — |
| Cigna | NBN | $103.36 | — |
| Molina Healthcare | MGMCR | $112.86 | — |
| AvMed | HMOFI | $142.56 | — |
| United | OptionsPPO | $144.34 | — |
| Sunshine State Health Plan | QHP | $151.47 | — |
| AvMed | ASOEO | $166.32 | — |
| Aetna | ASA | $178.20 | — |
| Molina Healthcare | HIX | $190.08 | — |
| Humana | PPO | $225.72 | — |
| Humana | HMO | $225.72 | — |
| Cigna | ManagedCareHMO | $246.51 | — |
| Cigna | PPO | $246.51 | — |
| United | GlobalBenefitPlan | $267.30 | — |
| AvMed | HIXOON | $297.00 | — |
| Prime Health Sheriff | COMM | $297.00 | — |
| Prime Health Sheriff | WORKERSCOMP | $297.00 | — |
| Plotkin Health | COMM | $297.00 | — |
| Multiplan | Primary | $463.32 | — |
| PPO Next | COMM | $504.90 | — |
| PPO Next | PPO | $504.90 | — |
| Multiplan | Complementary | $504.90 | — |
| NovaNet | COMM | $534.60 | — |
| Aetna | HMO | not published by hospital | — |
| Aetna | PPO | not published by hospital | — |
| Aetna | QHP | not published by hospital | — |
Visitor-reported prices
Comments
St treatment speech individual at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Ascension Sacred Heart Bay (Bay County Health System, Inc.) | Panama City | $172.00 | $73.58 – $365.50 |
| Adventhealth Daytona Beach | Daytona Beach | $262.73 | $71.16 – $125.01 |
| Adventhealth Lake Wales | Lake Wales | $510.48 | $74.90 – $166.28 |
| Adventhealth Palm Coast Parkway | Palm Coast | $273.43 | not published |
| Adventhealth Tampa | Tampa | $417.93 | $74.90 – $166.28 |
| AdventHealth New Smyrna Beach | New Smyrna Beach | $298.86 | $71.16 – $163.62 |
| HCA FLORIDA MEMORIAL HOSPITAL | JACKSONVILLE | $852.00 | $59.92 – $89.88 |
| Adventhealth Port Charlotte | Port Charlotte | $643.80 | not published |