ER Visit (level 3) at CHI Saint Joseph Health - Flaget Memorial Hospital
4305 NEW SHEPHERDSVILLE RD, Bardstown, KY · CommonSpirit Health · · NPI 1871588772
$573.21
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.
$1,351.00
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.
$238.32 with Humana vs $1,229.41 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 | $238.32 | ↓ -58% |
| Aetna | Medicaid|Better Health | $243.18 | ↓ -58% |
| United | Medicaid|Community Plan | $248.05 | ↓ -57% |
| BCBS - Anthem | Medicaid|All Plans | $255.34 | ↓ -55% |
| Passport by Molina | Medicaid|All Plans | $262.64 | ↓ -54% |
| BCBS - Anthem | Medicare|All Plans | $265.14 | ↓ -54% |
| Wellcare | Medicare|All Plans | $265.14 | ↓ -54% |
| Humana | Medicare|All Plans | $265.14 | ↓ -54% |
| United | Medicare|All Plans | $270.44 | ↓ -53% |
| Aetna | Medicare|All Plans | $273.09 | ↓ -52% |
| Passport by Molina | Medicare|All Plans | $278.40 | ↓ -51% |
| Wellcare | Medicaid|All Plans | $294.25 | ↓ -49% |
| CareSource | Commercial|All Plans | $530.28 | ↓ -7% |
| United | Commercial|Options | $810.60 | ↑ +41% |
| United | Commercial|Non-Options | $810.60 | ↑ +41% |
| BCBS - Anthem | Commercial|Pathway | $874.00 | ↑ +52% |
| Cigna | Commercial|All Other Plans | $986.23 | ↑ +72% |
| Cigna | Commercial|PPO | $986.23 | ↑ +72% |
| Humana | Commercial|All Plans | $1,013.25 | ↑ +77% |
| BCBS - Anthem | Commercial|HMO PPO | $1,033.00 | ↑ +80% |
| Aetna | Commercial|HMO | $1,040.27 | ↑ +81% |
| Aetna | Commercial|PPO | $1,040.27 | ↑ +81% |
| Aetna | Commercial|All Other Plans | $1,040.27 | ↑ +81% |
| Multiplan | Commercial|All Plans | $1,229.41 | ↑ +114% |
Visitor-reported prices
Comments
ER Visit (level 3) at other Kentucky hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| CHI Saint Joseph Health - Saint Joseph Berea | Berea | $308.52 | $176.58 – $582.40 |
| CHI Saint Joseph Health - Saint Joseph Mount Sterling | Mt. Sterling | $277.06 | $158.24 – $687.96 |
| CHI Saint Joseph Health - Saint Joseph London | London | $593.78 | $237.62 – $1,514.24 |
| CHI Saint Joseph Health - Saint Joseph East | Lexington | $590.87 | $359.52 – $1,338.61 |
| CHI Saint Joseph Health - Saint Joseph Hospital | Lexington | $692.97 | $345.54 – $1,338.61 |
| Adventhealth Manchester | Manchester | $987.92 | $256.13 – $256.13 |