ER Visit (level 1, minor) at CHI Saint Joseph Health - Flaget Memorial Hospital
4305 NEW SHEPHERDSVILLE RD, Bardstown, KY · CommonSpirit Health · · NPI 1871588772
$199.42
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.
$470.00
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.
$82.91 with Humana vs $427.70 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 | Medicaid|All Plans | $82.91 | ↓ -58% |
| Humana | Medicare|All Plans | $84.31 | ↓ -58% |
| Wellcare | Medicare|All Plans | $84.31 | ↓ -58% |
| BCBS - Anthem | Medicare|All Plans | $84.31 | ↓ -58% |
| Aetna | Medicaid|Better Health | $84.60 | ↓ -58% |
| United | Medicare|All Plans | $86.00 | ↓ -57% |
| United | Medicaid|Community Plan | $86.30 | ↓ -57% |
| Aetna | Medicare|All Plans | $86.84 | ↓ -56% |
| Passport by Molina | Medicare|All Plans | $88.53 | ↓ -56% |
| BCBS - Anthem | Medicaid|All Plans | $88.83 | ↓ -55% |
| Passport by Molina | Medicaid|All Plans | $91.37 | ↓ -54% |
| Wellcare | Medicaid|All Plans | $102.37 | ↓ -49% |
| CareSource | Commercial|All Plans | $168.62 | ↓ -15% |
| BCBS - Anthem | Commercial|Pathway | $277.30 | ↑ +39% |
| United | Commercial|Non-Options | $282.00 | ↑ +41% |
| United | Commercial|Options | $282.00 | ↑ +41% |
| BCBS - Anthem | Commercial|HMO PPO | $314.90 | ↑ +58% |
| Cigna | Commercial|All Other Plans | $343.10 | ↑ +72% |
| Cigna | Commercial|PPO | $343.10 | ↑ +72% |
| Humana | Commercial|All Plans | $352.50 | ↑ +77% |
| Aetna | Commercial|HMO | $361.90 | ↑ +81% |
| Aetna | Commercial|All Other Plans | $361.90 | ↑ +81% |
| Aetna | Commercial|PPO | $361.90 | ↑ +81% |
| Multiplan | Commercial|All Plans | $427.70 | ↑ +114% |
Visitor-reported prices
Comments
ER Visit (level 1, minor) at other Kentucky hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| CHI Saint Joseph Health - Saint Joseph Berea | Berea | $280.56 | $64.29 – $212.03 |
| CHI Saint Joseph Health - Saint Joseph Mount Sterling | Mt. Sterling | $192.04 | $109.68 – $476.84 |
| CHI Saint Joseph Health - Saint Joseph London | London | $106.70 | $42.70 – $272.09 |
| CHI Saint Joseph Health - Saint Joseph East | Lexington | $221.73 | $134.91 – $502.32 |
| CHI Saint Joseph Health - Saint Joseph Hospital | Lexington | $260.04 | $102.66 – $397.67 |
| Adventhealth Manchester | Manchester | $474.69 | $79.12 – $79.12 |