Observation per hour at Stephens Memorial Hospital
181 Main St, Norway, ME · MaineHealth · · NPI 1346299815
$134.15
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.
$134.15
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.
$52.32 with Aetna vs $130.13 with Harvard Pilgrim Healthcare — 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 | $52.32 | ↓ -61% |
| United Healthcare | Medicare Advantage | $52.32 | ↓ -61% |
| Humana | Medicare Advantage | $52.32 | ↓ -61% |
| Anthem | Medicare Advantage | $53.89 | ↓ -60% |
| Wellcare | Medicare Advantage | $54.41 | ↓ -59% |
| Harvard Pilgrim Healthcare | Maine's Choice | $117.11 | ↓ -13% |
| Aetna | HMO/PPO | $122.61 | ↓ -9% |
| Cigna | Commercial | $125.03 | ↓ -7% |
| Anthem | HMO/POS/PPO Pathway Enhanced | $125.34 | ↓ -7% |
| Multiplan | Commercial | $126.10 | ↓ -6% |
| Community Health Options | Commercial | $127.44 | ↓ -5% |
| United Healthcare | Commercial | $128.78 | ↓ -4% |
| Harvard Pilgrim Healthcare | Commercial | $130.13 | ↓ -3% |
| Aetna | MHACO Government | not published by hospital | — |
| Aetna | MHACO Commercial | not published by hospital | — |
Visitor-reported prices
Comments
Observation per hour at other Maine hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Franklin Memorial Hospital | Farmington | $120.30 | $36.09 – $113.08 |
| Lincoln Health | Damariscotta | $93.90 | $35.68 – $88.27 |
| Pen Bay Medical Center | Rockport | $255.50 | $87.15 – $103.82 |
| Waldo County General Hospital | Belfast | $106.20 | $42.66 – $100.04 |
| Mid Coast Hospital | Brunswick | $255.50 | $180.38 – $241.19 |