X-ray exam of femur 1 at HCA FLORIDA LAKE MONROE HOSPITAL

1401 WEST SEMINOLE BLVD, SANFORD, FL · HCA Florida Healthcare · · NPI 1285681908

Source: hospital's published price file ↗ · Published Mar 1, 2026 · Ingested Sep 10, 2026

$485.75

Cash price

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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.

$485.75

Gross charge

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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.

Full explanation →

The hospital's undiscounted list price — almost no one pays this.

$34.97 with Optimum vs $539.56 with Careworks (Rockport Community) — 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 →

Payer
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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
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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
Optimum MGMCR $34.97 ↓ -93%
Freedom Health MCR $34.97 ↓ -93%
Simply MGMCR $74.81 ↓ -85%
Molina Healthcare MGMCR $92.29 ↓ -81%
Humana HMO $97.15 ↓ -80%
Humana PPO $97.15 ↓ -80%
Evolutions TieredNetwork $111.72 ↓ -77%
AvMed HMOFI $116.58 ↓ -76%
Sunshine State Health Plan QHP $123.87 ↓ -74%
AvMed ASOEO $136.01 ↓ -72%
Aetna ASA $145.72 ↓ -70%
Molina Healthcare HIX $155.44 ↓ -68%
United OptionsPPO $162.24 ↓ -67%
United AllPayerAppendix $182.03 ↓ -63%
Florida Health Care Plan COMM $183.13 ↓ -62%
United GlobalBenefitPlan $218.59 ↓ -55%
Prime Health Sheriff COMM $242.88 ↓ -50%
AvMed HIXOON $242.88 ↓ -50%
Plotkin Health COMM $242.88 ↓ -50%
Prime Health Sheriff WORKERSCOMP $242.88 ↓ -50%
Multiplan PRIMARYPPO $364.31 ↓ -25%
Three Rivers Provider Network WorkersComp $364.31 ↓ -25%
Multiplan Primary $378.88 ↓ -22%
PPO Next COMM $412.89 ↓ -15%
Multiplan COMPLEMENTARYPPO $412.89 ↓ -15%
Multiplan Complementary $412.89 ↓ -15%
PPO Next PPO $412.89 ↓ -15%
NovaNet COMM $437.18 ↓ -10%
CorVel Corporation WORKERSCOMP $512.58 ↑ +6%
Prime Health WC $523.37 ↑ +8%
Careworks (Rockport Community) WORKERSCOMP $539.56 ↑ +11%
Aetna HMO not published by hospital
Aetna QHP not published by hospital
Aetna PPO not published by hospital

Visitor-reported prices

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X-ray exam of femur 1 at other Florida hospitals

Hospital City Cash price Negotiated range
Adventhealth Daytona Beach Daytona Beach $306.76 $86.33 – $151.68
Adventhealth Lake Wales Lake Wales $1,035.47 $90.88 – $201.75
Adventhealth Palm Coast Parkway Palm Coast $312.12 $86.33 – $194.11
Adventhealth Tampa Tampa $954.28 $90.88 – $201.75
AdventHealth New Smyrna Beach New Smyrna Beach $178.01 $86.33 – $198.52
Adventhealth Port Charlotte Port Charlotte $1,099.64 $90.88 – $165.94
cleveland clinic florida weston hospital Weston $535.60 $8.01 – $646.00
martin north hospital Stuart $494.00 $8.36 – $380.00

All Florida hospitals for this procedure →