Breast punct aspir cyst, bil at Adventhealth Waterman
1000 Waterman Way, Tavares, FL · AdventHealth · · NPI 1821019571
$1,407.39
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.
$1,407.39
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.
$739.49 with Health First Health Plans vs $1,492.14 with Oscar — 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 |
|---|---|---|---|
| Health First Health Plans | Medicare Managed Care - Hmo | $739.49 | ↓ -47% |
| Humana | Medicare Managed Care - Hmo/Ppo | $750.58 | ↓ -47% |
| Bcbs | Medicare Managed Care - Hmo | $761.67 | ↓ -46% |
| Freedom Health | Medicare Managed Care - Hmo | $776.46 | ↓ -45% |
| Simply Healthcare | Medicare Managed Care - Hmo | $783.86 | ↓ -44% |
| Aetna | Medicare Managed Care - Hmo/Ppo | $791.25 | ↓ -44% |
| Oscar | Individual Epo | $1,492.14 | ↑ +6% |
Visitor-reported prices
Comments
Breast punct aspir cyst, bil at other Florida hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Adventhealth Daytona Beach | Daytona Beach | $781.75 | $702.51 – $1,234.20 |
| Adventhealth Palm Coast Parkway | Palm Coast | $753.17 | $702.51 – $1,579.47 |
| Adventhealth Tampa | Tampa | $2,124.65 | $739.49 – $1,641.66 |
| AdventHealth New Smyrna Beach | New Smyrna Beach | $1,678.01 | $702.51 – $1,615.41 |
| cleveland clinic florida weston hospital | Weston | $1,715.35 | $27.88 – $2,243.15 |
| martin north hospital | Stuart | $1,715.35 | $33.94 – $1,319.50 |
| indian river hospital | Vero Beach | $1,715.35 | $27.88 – $2,111.20 |
| Baptist Hospital | MIAMI | $2,257.45 | $173.17 – $3,125.70 |