Ghs layered repair 20.1 - 30.0 cm -12046 at CHI Saint Joseph Health - Saint Joseph Berea

305 Estill Street, Berea, KY · CommonSpirit Health · · NPI 1740488386

Source: hospital's published price file ↗ · Published Feb 28, 2026 · Ingested Sep 10, 2026

$326.84

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.

Full explanation →

What you pay up front if you don't use insurance.

$678.00

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.

$187.07 with Wellcare vs $2,565.00 with BCBS - Anthem — 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
Wellcare Medicaid|All Plans $187.07 ↓ -43%
Wellcare Medicare|All Plans $189.84 ↓ -42%
BCBS - Anthem Medicare|All Plans $189.84 ↓ -42%
Humana Medicare|All Plans $189.84 ↓ -42%
United Medicare|All Plans $193.64 ↓ -41%
Aetna Medicare|All Plans $195.54 ↓ -40%
Passport by Molina Medicare|All Plans $199.34 ↓ -39%
Humana Medicaid|All Plans $210.18 ↓ -36%
Aetna Medicaid|Better Health $210.18 ↓ -36%
Passport by Molina Medicaid|All Plans $214.39 ↓ -34%
United Medicaid|All Plans $214.39 ↓ -34%
BCBS - Anthem Medicaid|All Plans $220.69 ↓ -32%
Humana Commercial|All Plans $311.88 ↓ -5%
United Commercial|Non-Options $372.90 ↑ +14%
United Commercial|Options $372.90 ↑ +14%
CareSource Commercial|All Plans $379.68 ↑ +16%
Cigna Commercial|PPO $467.82 ↑ +43%
Cigna Commercial|All Other Plans $467.82 ↑ +43%
Aetna Commercial|All Other Plans $522.06 ↑ +60%
Aetna Commercial|HMO $522.06 ↑ +60%
Aetna Commercial|PPO $522.06 ↑ +60%
Multiplan Commercial|All Plans $616.98 ↑ +89%
BCBS - Anthem Commercial|Pathway $2,170.00 ↑ +564%
BCBS - Anthem Commercial|HMO PPO $2,565.00 ↑ +685%

Visitor-reported prices

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Ghs layered repair 20.1 - 30.0 cm -12046 at other Kentucky hospitals

Hospital City Cash price Negotiated range
CHI Saint Joseph Health - Saint Joseph London London $702.97 $281.32 – $1,792.70
CHI Saint Joseph Health - Saint Joseph East Lexington $363.52 $221.19 – $823.55
CHI Saint Joseph Health - Saint Joseph Hospital Lexington $426.34 $212.59 – $823.55
CHI Saint Joseph Health - Flaget Memorial Hospital Bardstown $1,255.88 $522.15 – $2,693.60
Adventhealth Manchester Manchester not published $693.47 – $693.47

All Kentucky hospitals for this procedure →