ER Visit (level 5, high severity) at Whitesburg ARH Hospital
240 Hospital Road, Whitesburg, KY · Arh · · NPI 1194723726
$2,976.00
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.
$4,960.00
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.
$301.76 with Passport Molina vs $1,664.10 with Aetna PPO — 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 |
|---|---|---|---|
| Passport Molina | Medicaid | $301.76 | ↓ -90% |
| United Healthcare | Medicare | $325.55 | ↓ -89% |
| Optum CCN Region 2 | Veterans Affairs Plan | $325.55 | ↓ -89% |
| Anthem | Medicare Advantage | $325.55 | ↓ -89% |
| Aetna | Medicare | $325.55 | ↓ -89% |
| Optum CCN Region 1 | Veterans Affairs Plan | $325.55 | ↓ -89% |
| Humana | Medicare | $325.55 | ↓ -89% |
| WellCare of Kentucky | Medicare | $325.55 | ↓ -89% |
| WellCare of Kentucky | Medicaid | $351.31 | ↓ -88% |
| Aetna Better Health | Medicaid | $536.21 | ↓ -82% |
| Anthem | Medicaid | $536.21 | ↓ -82% |
| Humana | Medicaid | $552.30 | ↓ -81% |
| CareSoure Kentucky | Commercial | $1,109.40 | ↓ -63% |
| United Healthcare PPO | Commercial | $1,412.64 | ↓ -53% |
| UMR | Commercial | $1,412.64 | ↓ -53% |
| United Healthcare HMO | Commercial | $1,412.64 | ↓ -53% |
| Anthem HMO | Commercial | $1,535.78 | ↓ -48% |
| Anthem PPO | Commercial | $1,616.58 | ↓ -46% |
| Aetna POS | Commercial | $1,664.10 | ↓ -44% |
| Aetna PPO | Commercial | $1,664.10 | ↓ -44% |
Visitor-reported prices
Comments
ER Visit (level 5, high severity) at other Kentucky hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| CHI Saint Joseph Health - Saint Joseph Berea | Berea | $729.35 | $417.44 – $1,376.83 |
| Marcum Wallace Hospital | Irvine | $5,673.54 | not published |
| Lourdes Hospital | Paducah | $1,389.00 | not published |
| CHI Saint Joseph Health - Saint Joseph Mount Sterling | Mt. Sterling | $446.38 | $254.93 – $1,108.38 |
| CHI Saint Joseph Health - Saint Joseph London | London | $1,319.94 | $528.22 – $3,366.09 |
| CHI Saint Joseph Health - Saint Joseph East | Lexington | $1,154.02 | $702.17 – $2,614.43 |
| CHI Saint Joseph Health - Saint Joseph Hospital | Lexington | $1,353.43 | $561.42 – $2,174.90 |
| CHI Saint Joseph Health - Flaget Memorial Hospital | Bardstown | $1,245.69 | $517.92 – $2,671.76 |