Ot therapeutic interventions cognitive skills direct patient contact each additional 15 minutes at Garrett Regional Medical Center

251 N 4th St, Oakland, MD · Wvumedicine · · NPI 1598417412

Source: hospital's published price file ↗ · Published Mar 31, 2026 · Ingested Sep 16, 2026

not published by hospital

Cash price

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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.

$186.00

Gross charge

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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.

$36.09 with caresource wv vs $40.10 with united mine workers of america — 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 →

Payer
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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
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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
caresource wv all plans $36.09
senior advantage isnp $37.01
unitedhealthcare medicare advantage all plans $37.01
provider partners all plans $37.01
the health plan medicare advantage all plans $37.01
united mine workers of america retirees $37.01
upmc for you medicare advantage all plans $37.01
vibra health plan medicare advantage all plans $37.01
aetna medicare advantage all plans $37.01
carefirst d-snp all plans $37.01
carefirst ppo all plans $37.01
highmark wv medicare advantage all plans $37.01
highmark wholecare medicare advantage all plans $37.01
humana military tricare $37.01
humana medicare advantage all plans $37.01
pa health & wellness medicare advantage all plans $37.01
highmark health options wv chip $37.81
aetna better health wv chip $37.81
carefirst community health plan medicaid $37.81
highmark health options wv managed medicaid $37.81
wellpoint wv chip $37.81
aetna better health maryland medicaid $37.81
amerigroup medicaid $37.81
the health plan of wv chip $37.81
the health plan of wv managed medicaid $37.81
uhc community health plan md managed medicaid $37.81
wellpoint wv managed medicaid $37.81
aetna better health wv managed medicaid $37.81
coventry workers comp $37.81
maryland physicians care managed medicaid $37.81
multiplan all plans $38.10
upmc commercial all plans $39.70
john hopkins healthcare all plans $40.10
cigna all plans $40.10
cigna rental $40.10
alliance coal all plans $40.10
united healthcare all plans $40.10
american correctional healthcare government $40.10
carefirst commercial all plans $40.10
first health all plans $40.10
aetna all plans $40.10
peak commercial all plans $40.10
stratose/ 4 most all plans $40.10
the health plan peia $40.10
the health plan commercial all plans $40.10
united mine workers of america active employees $40.10

Visitor-reported prices

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Ot therapeutic interventions cognitive skills direct patient contact each additional 15 minutes at other Maryland hospitals

Hospital City Cash price Negotiated range
UPMC Western Maryland Cumberland $45.60 $46.00 – $46.00

All Maryland hospitals for this procedure →