Fern test at HCA FLORIDA ST. LUCIE HOSPITAL
2551 S Kanner Hwy, STUART, FL · HCA Florida Healthcare · · NPI 1538115696
$217.00
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.
$217.00
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.
$9.70 with Humana vs $184.45 with Multiplan — 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 | TRICR | $9.70 | ↓ -96% |
| Hospice Treasure Coast | MGMCR | $9.74 | ↓ -96% |
| HUMANA | MGMCRPPO | $9.74 | ↓ -96% |
| Hospice Treasure Coast | MGMCD | $9.74 | ↓ -96% |
| CarePlus | MGMCR | $9.74 | ↓ -96% |
| Wellmed | MGMCR | $9.74 | ↓ -96% |
| United Behavioral Health | VACCN | $9.74 | ↓ -96% |
| Veterans Evaluation Services | MCR | $9.74 | ↓ -96% |
| Hospice of Treasure Coast | COMM | $9.74 | ↓ -96% |
| NDMS Definitive Care | MGMCR | $9.74 | ↓ -96% |
| Devoted Health | MCR | $9.74 | ↓ -96% |
| United | AllPayerAppendix | $9.74 | ↓ -96% |
| United | GVT | $9.74 | ↓ -96% |
| HUMANA | MGMCRHMO | $9.74 | ↓ -96% |
| Ultimate Health Plan | MCR | $9.93 | ↓ -95% |
| United | MCR | $9.93 | ↓ -95% |
| BCBS | MCRHMO | $9.93 | ↓ -95% |
| BCBS | MCRPPO | $9.93 | ↓ -95% |
| Aetna | MCR | $10.03 | ↓ -95% |
| Prominence HealthFirst | MCRHMO | $10.23 | ↓ -95% |
| Sunshine State | MCR | $10.23 | ↓ -95% |
| American Health Plan | MCR | $10.32 | ↓ -95% |
| Florida Complete Care | MCR | $10.42 | ↓ -95% |
| Cigna Healthspring | MCR | $10.42 | ↓ -95% |
| Sunshine State | MCD | $10.71 | ↓ -95% |
| Centurion | GVT | $10.71 | ↓ -95% |
| Longevity Health Plan | MCR | $11.69 | ↓ -95% |
| AmeriHealth Caritas | MGMCR | $11.69 | ↓ -95% |
| Solis Health Plan | MCR | $14.12 | ↓ -93% |
| Freedom Health | MGMCR | $18.66 | ↓ -91% |
| Optimum | MGMCR | $18.66 | ↓ -91% |
| Oscar | HIX | $18.80 | ↓ -91% |
| Simply Healthcare | HIX | $22.01 | ↓ -90% |
| Simply Healthcare Plans | MGMCR | $28.21 | ↓ -87% |
| AvMed | HIX | $28.21 | ↓ -87% |
| Freedom Health | MGMCD | $34.72 | ↓ -84% |
| Molina | MCR | $41.23 | ↓ -81% |
| Health Sun Health Plan | MGMCR | $46.22 | ↓ -79% |
| AvMed | FullyInsured | $52.08 | ↓ -76% |
| Sunshine State Health Plan | QHP | $55.34 | ↓ -74% |
| AvMed | Engage | $56.42 | ↓ -74% |
| AvMed | Select | $56.42 | ↓ -74% |
| AvMed | Empower | $56.42 | ↓ -74% |
| AvMed | Flex | $56.42 | ↓ -74% |
| AvMed | Focus | $56.42 | ↓ -74% |
| Molina | HIX | $58.59 | ↓ -73% |
| AvMed | ASOEO | $60.76 | ↓ -72% |
| Aetna | ASA | $65.10 | ↓ -70% |
| Humana | HMO | $80.29 | ↓ -63% |
| Humana | PPO | $86.80 | ↓ -60% |
| United PPO | OptionsPPO | $95.48 | ↓ -56% |
| United | GlobalBenefitPlanAppendix | $97.65 | ↓ -55% |
| Prime Health Sherriff | COMM | $108.50 | ↓ -50% |
| Plotkin Health | COMM | $108.50 | ↓ -50% |
| AvMed | JacksonFirstNetworkOON | $108.50 | ↓ -50% |
| Multiplan | COMMPPOPRIMARYNETWORK | $162.75 | ↓ -25% |
| Multiplan | COMMPPOCOMPLEMENTARYNETWORK | $184.45 | ↓ -15% |
| Aetna | HMO | not published by hospital | — |
| Aetna | QHP | not published by hospital | — |
| Aetna | PPO | not published by hospital | — |
Visitor-reported prices
Comments
Fern test at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| martin north hospital | Stuart | $34.45 | $2.46 – $39.75 |
| cleveland clinic florida weston hospital | Weston | $34.45 | $2.34 – $45.05 |
| indian river hospital | Vero Beach | $34.45 | $2.34 – $42.40 |
| Ascension St. Vincent's Southside (St. Luke's-St. Vincent's HealthCare, Inc.) | Jacksonville | $5.74 | $8.57 – $9.74 |
| Ascension Sacred Heart Pensacola (Sacred Heart Health System, Inc.) | Pensacola | $27.04 | $9.74 – $36.96 |
| Ascension St. Vincent's Clay County (St. Vincent's Medical Center, Inc.) | Middleburg | $5.74 | $8.57 – $9.74 |
| HCA FLORIDA HIGHLANDS HOSPITAL | Sebring | $223.00 | $9.74 – $22.01 |
| HCA FLORIDA TRINITY HOSPITAL | TRINITY | $274.05 | $8.83 – $14.12 |