ER Visit (level 2) at CHI Saint Joseph Health - Saint Joseph Hospital
1 Saint Joseph Drive, Lexington, KY · CommonSpirit Health · · NPI 1437150984
$422.57
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.
$897.00
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.
$155.59 with Humana vs $669.76 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 | Medicare|All Plans | $155.59 | ↓ -63% |
| Wellcare | Medicare|All Plans | $155.59 | ↓ -63% |
| BCBS - Anthem | Medicare|All Plans | $155.59 | ↓ -63% |
| Aetna | Medicare|All Plans | $160.26 | ↓ -62% |
| United | Medicare|All Plans | $161.81 | ↓ -62% |
| Passport by Molina | Medicare|All Plans | $163.37 | ↓ -61% |
| Passport by Molina | Medicaid|All Plans | $172.89 | ↓ -59% |
| Humana | Medicaid|All Plans | $194.75 | ↓ -54% |
| Aetna | Medicaid|Better Health | $198.72 | ↓ -53% |
| United | Medicaid|All Plans | $202.70 | ↓ -52% |
| Wellcare | Medicaid|All Plans | $204.69 | ↓ -52% |
| BCBS - Anthem | Medicaid|All Plans | $208.66 | ↓ -51% |
| CareSource | Commercial|All Plans | $311.18 | ↓ -26% |
| BCBS - Anthem | Commercial|Pathway | $404.80 | ↓ -4% |
| Humana | Commercial|All Plans | $456.32 | ↑ +8% |
| BCBS - Anthem | Commercial|HMO PPO | $463.68 | ↑ +10% |
| United | Commercial|All Other Plans | $536.00 | ↑ +27% |
| United | Commercial|Non-Options | $537.28 | ↑ +27% |
| United | Commercial|Options | $537.28 | ↑ +27% |
| Cigna | Commercial|All Other Plans | $565.11 | ↑ +34% |
| Aetna | Commercial|HMO | $565.11 | ↑ +34% |
| Aetna | Commercial|PPO | $565.11 | ↑ +34% |
| Cigna | Commercial|PPO | $565.11 | ↑ +34% |
| Aetna | Commercial|All Other Plans | $565.11 | ↑ +34% |
| United | Commercial|PPO | $654.81 | ↑ +55% |
| Multiplan | Commercial|All Plans | $669.76 | ↑ +58% |
Visitor-reported prices
Comments
ER Visit (level 2) at other Kentucky hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| CHI Saint Joseph Health - Saint Joseph East | Lexington | $360.31 | $219.23 – $816.27 |
| CHI Saint Joseph Health - Saint Joseph Berea | Berea | $291.65 | $166.92 – $550.55 |
| CHI Saint Joseph Health - Saint Joseph Mount Sterling | Mt. Sterling | $223.19 | $127.47 – $554.19 |
| CHI Saint Joseph Health - Saint Joseph London | London | $292.61 | $117.10 – $746.20 |
| CHI Saint Joseph Health - Flaget Memorial Hospital | Bardstown | $398.83 | $165.82 – $855.40 |
| Adventhealth Manchester | Manchester | $636.37 | $144.07 – $144.07 |