healthcosts.net
New Patient Office Visit (level 5) at Pen Bay Medical Center
6 Glen Cove Dr, Rockport, ME · MaineHealth · · NPI 1982645305
$392.80
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.
$392.80
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.
$124.73 with Humana vs $357.62 with Aetna — 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 Advantage | $124.73 | ↓ -68% |
| United Healthcare | Medicare Advantage | $124.73 | ↓ -68% |
| Anthem | Medicare Advantage | $125.97 | ↓ -68% |
| Aetna | Medicare Advantage | $127.22 | ↓ -68% |
| Wellcare | Medicare Advantage | $128.47 | ↓ -67% |
| Aetna | MHACO Government | $176.12 | ↓ -55% |
| Aetna | HMO/PPO | $240.48 | ↓ -39% |
| Anthem | HMO/POS/PPO/Pathway Enhanced | $256.05 | ↓ -35% |
| Cigna | Commercial | $278.36 | ↓ -29% |
| Community Health Options | Commercial | $279.59 | ↓ -29% |
| Harvard Pilgrim Healthcare | Maines Choice | $286.58 | ↓ -27% |
| Harvard Pilgrim Healthcare | Commercial | $300.34 | ↓ -24% |
| United Healthcare | Commercial | $328.53 | ↓ -16% |
| Multiplan | Commercial | $331.63 | ↓ -16% |
| Aetna | MHACO Commercial | $357.62 | ↓ -9% |
Visitor-reported prices
Comments
New Patient Office Visit (level 5) at other Maine hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Franklin Memorial Hospital | Farmington | $655.15 | $115.85 – $394.16 |
| Stephens Memorial Hospital | Norway | $710.00 | $176.12 – $425.31 |
| Lincoln Health | Damariscotta | $962.80 | $176.12 – $425.31 |
| Spring Harbor Hospital | Westbrook | $465.85 | $172.48 – $425.31 |
| Waldo County General Hospital | Belfast | $857.05 | $58.57 – $137.34 |
| Mid Coast Hospital | Brunswick | $551.30 | $125.85 – $332.02 |