Fern test at Baptist Health Louisville
4000 Kresge Way, Louisville, KY · Baptisthealth · · NPI 1265539498
$89.72
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.
$119.62
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.
$5.84 with UHC ALL PAYER NEW - ALL OTHER PLANS vs $119.62 with ANTHEM MCR SELECT — 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 |
|---|---|---|---|
| UHC ALL PAYER NEW - ALL OTHER PLANS | UHC ALL PAYER NEW - ALL OTHER PLANS | $5.84 | ↓ -93% |
| ANTHEM PATH HPN | ANTHEM PATH HPN | $6.08 | ↓ -93% |
| ANTHEM INDIANA HMO | ANTHEM INDIANA HMO | $6.08 | ↓ -93% |
| ANTHEM BLUE PREF HMO/HIC | ANTHEM BLUE PREF HMO/HIC | $6.08 | ↓ -93% |
| ANTHEM BLUE ACCESS PPO | ANTHEM BLUE ACCESS PPO | $6.08 | ↓ -93% |
| ANTHEM BLUE TRAD - ALL OTHER PLANS | ANTHEM BLUE TRAD - ALL OTHER PLANS | $6.08 | ↓ -93% |
| ANTHEM PATH HMO | ANTHEM PATH HMO | $6.08 | ↓ -93% |
| CIGNA - ALL PLANS | CIGNA - ALL PLANS | $8.42 | ↓ -91% |
| AETNA MCAID | AETNA MCAID | $9.74 | ↓ -89% |
| HUMANA MCAID - ALL OTHER PLANS | HUMANA MCAID - ALL OTHER PLANS | $9.74 | ↓ -89% |
| CARESOURCE-ALL PLANS | CARESOURCE-ALL PLANS | $9.74 | ↓ -89% |
| ALLIANCE COAL - ALL PLANS | ALLIANCE COAL - ALL PLANS | $9.74 | ↓ -89% |
| WELLCARE MCAID - ALL PLANS | WELLCARE MCAID - ALL PLANS | $9.74 | ↓ -89% |
| UHC MCAID | UHC MCAID | $9.74 | ↓ -89% |
| SIG ADVANTAGE - ALL PLANS | SIG ADVANTAGE - ALL PLANS | $9.74 | ↓ -89% |
| MOLINA MCAID - ALL PLANS | MOLINA MCAID - ALL PLANS | $9.74 | ↓ -89% |
| ANTHEM MCR ADV | ANTHEM MCR ADV | $9.79 | ↓ -89% |
| HUMANA MCR ADV | HUMANA MCR ADV | $10.23 | ↓ -89% |
| AMBETTER/WCARE IND MRKT | AMBETTER/WCARE IND MRKT | $18.76 | ↓ -79% |
| AMBETTER/WCARE DIRECT IND - ALL OTHER PLANS | AMBETTER/WCARE DIRECT IND - ALL OTHER PLANS | $18.76 | ↓ -79% |
| ANTHEM BHS1 | ANTHEM BHS1 | $29.46 | ↓ -67% |
| HEALTHLINK-ALL PLANS | HEALTHLINK-ALL PLANS | $34.87 | ↓ -61% |
| AETNA NEW BUS - ALL OTHER PLANS | AETNA NEW BUS - ALL OTHER PLANS | $39.12 | ↓ -56% |
| UHC ALL PAYER OLD | UHC ALL PAYER OLD | $42.70 | ↓ -52% |
| AETNA COMM | AETNA COMM | $51.88 | ↓ -42% |
| SIHO EXCLUS NTWRK | SIHO EXCLUS NTWRK | $53.83 | ↓ -40% |
| SIHO DUAL NTWRK | SIHO DUAL NTWRK | $59.81 | ↓ -33% |
| SIHO PPO - ALL OTHER PLANS | SIHO PPO - ALL OTHER PLANS | $83.73 | ↓ -7% |
| PHCS-ALL PLANS | PHCS-ALL PLANS | $83.73 | ↓ -7% |
| MULTIPLAN-ALL PLANS | MULTIPLAN-ALL PLANS | $101.68 | ↑ +13% |
| CENTER CARE-ALL PLANS | CENTER CARE-ALL PLANS | $106.92 | ↑ +19% |
| PASSPORT MCR/MCD ADV | PASSPORT MCR/MCD ADV | $119.62 | ↑ +33% |
| PASSPORT MCR ADV - ALL OTHER PLANS | PASSPORT MCR ADV - ALL OTHER PLANS | $119.62 | ↑ +33% |
| AETNA MCR ADV | AETNA MCR ADV | $119.62 | ↑ +33% |
| ANTHEM MCR SELECT | ANTHEM MCR SELECT | $119.62 | ↑ +33% |
Visitor-reported prices
Comments
Fern test at other Kentucky hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Lourdes Hospital | Paducah | $54.00 | not published |
| Baptist Health Corbin | Corbin | $89.72 | $6.08 – $239.24 |
| Baptist Health Lexington | Lexington | $89.72 | $6.08 – $119.62 |
| Baptist Health Hardin | Elizabethtown | $89.72 | $6.08 – $239.24 |
| Baptist Health La Grange | La Grange | $89.72 | $6.08 – $239.24 |
| Baptist Health Paducah | Paducah | $89.72 | $6.08 – $119.62 |
| Adventhealth Manchester | Manchester | not published | $9.74 – $9.74 |
| GREENVIEW REGIONAL HOSPITAL | BOWLING GREEN | not published | $9.41 – $10.03 |