Colonoscopy (diagnostic) at SSM Health St. Joseph Hospital - Lake Saint Louis
100 Medical Plaza, Lake Saint Louis, MO · SSM Health · · NPI 1871665380
not published by hospital
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.
not published by hospital
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.
$229.53 with BCBS vs $3,213.00 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 |
|---|---|---|---|
| BCBS | Anthem Pathway Exchange | $229.53 | — |
| BCBS | Anthem Blue Access Choice PPO | $235.86 | — |
| BCBS | Anthem Blue Preferred HMO/POS | $236.98 | — |
| BCBS | Anthem Blue Access PPO | $255.59 | — |
| Aetna | Medicare Managed Care Plan | $931.46 | — |
| Aetna | Gold Advantage Medicare Managed Care Plan | $940.77 | — |
| UnitedHealthCare | Medicare Managed Care Plan | $945.24 | — |
| BCBS | Anthem Medicare Managed Care Plan | $945.43 | — |
| Humana | Medicare Managed Care Plan | $947.29 | — |
| Aetna | Advantra Medicare Managed Care Plan | $964.06 | — |
| Oscar | Exchange | $1,117.75 | — |
| Ambetter | Exchange | $1,568.00 | — |
| Healthlink | Employers Choice All Commercial Plans | $1,628.00 | — |
| Aetna | Carelink Other Commercial Plan | $1,944.00 | — |
| UnitedHealthCare | All Commercial Plans | $2,363.00 | — |
| UnitedHealthCare | St. Louis University Employee | $2,371.00 | — |
| Cigna | OAP Other Commercial Plan | $2,680.00 | — |
| Healthlink | HMO | $2,709.00 | — |
| UnitedHealthCare | Options PPO | $2,783.00 | — |
| Aetna | NBD Other Commercial Plan | $2,835.00 | — |
| Aetna | All Commercial Plans | $3,213.00 | — |
Visitor-reported prices
Comments
Colonoscopy (diagnostic) at other Missouri hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Mercy Hospital Aurora | Aurora | $2,900.10 | $186.51 – $960.33 |
| Mercy Hospital Lincoln | Troy | $3,190.85 | $18.97 – $777.21 |
| Mercy Hospital Carthage | Carthage | $2,166.45 | $190.43 – $1,662.68 |
| Mercy Hospital Southeast | Cape Girardeau | $5,406.71 | $155.13 – $5,976.15 |
| Mercy Hospital Stoddard | Dexter | $5,510.84 | $155.90 – $5,976.15 |
| Mercy Orthopedic Hospital Springfield | Ozark | $2,791.03 | $133.34 – $2,083.00 |
| SSM Health DePaul Hospital - St. Louis | Bridgeton | not published | $229.53 – $2,680.00 |
| SSM Health Saint Louis University Hospital | Saint Louis | not published | $263.55 – $2,544.00 |