healthcosts.net
New Patient Office Visit (level 4) at Mid Coast Hospital
123 Medical Center Drive, Brunswick, ME · MaineHealth · · NPI 1932164795
$445.65
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.
$445.65
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.
$125.85 with Aetna vs $285.06 with Cigna — 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 |
|---|---|---|---|
| Aetna | Medicare Advantage | $125.85 | ↓ -72% |
| Humana | Medicare Advantage | $125.85 | ↓ -72% |
| United Healthcare | Medicare Advantage | $125.85 | ↓ -72% |
| Anthem | Medicare Advantage | $126.84 | ↓ -72% |
| Wellcare | Medicare Advantage | $129.63 | ↓ -71% |
| Aetna | MHACO Government | $129.76 | ↓ -71% |
| Anthem | HMO/POS/PPO/Pathway Enhanced | $161.43 | ↓ -64% |
| Aetna | HMO/PPO | $177.27 | ↓ -60% |
| Multiplan | Commercial | $246.72 | ↓ -45% |
| Cigna | OAP | $249.08 | ↓ -44% |
| United Healthcare | Commercial | $259.70 | ↓ -42% |
| Aetna | MHACO Commercial | $262.95 | ↓ -41% |
| Harvard Pilgrim Healthcare | Maines Choice | $265.09 | ↓ -41% |
| Community Health Options | Commercial | $270.44 | ↓ -39% |
| Harvard Pilgrim Healthcare | Commercial | $284.15 | ↓ -36% |
| Cigna | PPO | $285.06 | ↓ -36% |
Visitor-reported prices
Comments
New Patient Office Visit (level 4) at other Maine hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Franklin Memorial Hospital | Farmington | $540.60 | $115.85 – $298.76 |
| Stephens Memorial Hospital | Norway | $502.75 | $129.76 – $322.52 |
| Lincoln Health | Damariscotta | $701.80 | $129.76 – $322.52 |
| Pen Bay Medical Center | Rockport | $352.80 | $124.73 – $246.72 |
| Spring Harbor Hospital | Westbrook | $370.85 | $126.84 – $322.52 |
| Waldo County General Hospital | Belfast | $680.20 | $65.06 – $152.56 |