ER Visit (level 4) at CHI Saint Joseph Health - Saint Joseph Hospital
1 Saint Joseph Drive, Lexington, KY · CommonSpirit Health · · NPI 1437150984
$1,082.55
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.
$2,298.00
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.
$418.36 with Humana vs $1,736.28 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 | $418.36 | ↓ -61% |
| Wellcare | Medicare|All Plans | $418.36 | ↓ -61% |
| BCBS - Anthem | Medicare|All Plans | $418.36 | ↓ -61% |
| Aetna | Medicare|All Plans | $430.91 | ↓ -60% |
| United | Medicare|All Plans | $435.09 | ↓ -60% |
| Passport by Molina | Medicare|All Plans | $439.28 | ↓ -59% |
| Passport by Molina | Medicaid|All Plans | $448.19 | ↓ -59% |
| Humana | Medicaid|All Plans | $504.86 | ↓ -53% |
| Aetna | Medicaid|Better Health | $515.16 | ↓ -52% |
| United | Medicaid|All Plans | $525.47 | ↓ -51% |
| Wellcare | Medicaid|All Plans | $530.62 | ↓ -51% |
| BCBS - Anthem | Medicaid|All Plans | $540.92 | ↓ -50% |
| CareSource | Commercial|All Plans | $836.72 | ↓ -23% |
| BCBS - Anthem | Commercial|Pathway | $927.00 | ↓ -14% |
| BCBS - Anthem | Commercial|HMO PPO | $1,095.00 | ↑ +1% |
| Humana | Commercial|All Plans | $1,182.96 | ↑ +9% |
| United | Commercial|Options | $1,392.84 | ↑ +29% |
| United | Commercial|Non-Options | $1,392.84 | ↑ +29% |
| Cigna | Commercial|All Other Plans | $1,447.74 | ↑ +34% |
| Aetna | Commercial|HMO | $1,447.74 | ↑ +34% |
| Cigna | Commercial|PPO | $1,447.74 | ↑ +34% |
| Aetna | Commercial|PPO | $1,447.74 | ↑ +34% |
| Aetna | Commercial|All Other Plans | $1,447.74 | ↑ +34% |
| United | Commercial|All Other Plans | $1,618.00 | ↑ +49% |
| United | Commercial|PPO | $1,677.54 | ↑ +55% |
| Multiplan | Commercial|All Plans | $1,736.28 | ↑ +60% |
Visitor-reported prices
Comments
ER Visit (level 4) at other Kentucky hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| CHI Saint Joseph Health - Saint Joseph East | Lexington | $923.05 | $561.64 – $2,091.18 |
| CHI Saint Joseph Health - Saint Joseph Berea | Berea | $561.12 | $321.15 – $1,059.24 |
| CHI Saint Joseph Health - Saint Joseph Mount Sterling | Mt. Sterling | $352.93 | $201.56 – $876.33 |
| CHI Saint Joseph Health - Saint Joseph London | London | $885.67 | $354.43 – $2,258.62 |
| CHI Saint Joseph Health - Flaget Memorial Hospital | Bardstown | $822.26 | $341.87 – $1,763.58 |
| Adventhealth Manchester | Manchester | $1,347.19 | $391.51 – $391.51 |