Ins/rpl pm gen exist dual lead at SSM Health St. Joseph Hospital - Lake Saint Louis
100 Medical Plaza, Lake Saint Louis, MO · SSM Health · · NPI 1871665380
$12,426.70
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.
$22,594.00
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.
$373.55 with BCBS vs $27,535.00 with Healthlink — 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 | $373.55 | ↓ -97% |
| BCBS | Anthem Blue Access Choice PPO | $383.85 | ↓ -97% |
| BCBS | Anthem Blue Preferred HMO/POS | $385.67 | ↓ -97% |
| BCBS | Anthem Blue Access PPO | $415.97 | ↓ -97% |
| Ambetter | Exchange | $2,167.00 | ↓ -83% |
| Cigna | OAP Other Commercial Plan | $3,071.00 | ↓ -75% |
| Oscar | Exchange | $3,886.00 | ↓ -69% |
| UnitedHealthCare | St. Louis University Employee | $5,362.00 | ↓ -57% |
| Aetna | Carelink Other Commercial Plan | $5,786.00 | ↓ -53% |
| UnitedHealthCare | All Commercial Plans | $5,935.00 | ↓ -52% |
| UnitedHealthCare | Options PPO | $6,757.00 | ↓ -46% |
| Aetna | NBD Other Commercial Plan | $7,120.00 | ↓ -43% |
| Aetna | All Commercial Plans | $8,068.00 | ↓ -35% |
| Healthlink | Employers Choice All Commercial Plans | $9,535.00 | ↓ -23% |
| Aetna | Medicare Managed Care Plan | $10,468.87 | ↓ -16% |
| Aetna | Gold Advantage Medicare Managed Care Plan | $10,573.56 | ↓ -15% |
| UnitedHealthCare | Medicare Managed Care Plan | $10,623.81 | ↓ -15% |
| BCBS | Anthem Medicare Managed Care Plan | $10,625.90 | ↓ -14% |
| Humana | Medicare Managed Care Plan | $10,646.84 | ↓ -14% |
| Aetna | Advantra Medicare Managed Care Plan | $10,835.28 | ↓ -13% |
| Healthlink | HMO | $15,860.00 | ↑ +28% |
| Healthlink | PPO | $27,535.00 | ↑ +122% |
Visitor-reported prices
Comments
Ins/rpl pm gen exist dual lead at other Missouri hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| SSM Health DePaul Hospital - St. Louis | Bridgeton | $12,426.70 | $373.55 – $10,646.84 |
| SSM Health Saint Louis University Hospital | Saint Louis | $22,000.00 | $428.92 – $30,284.00 |
| SSM Health St. Joseph Hospital- Wentzville | Wentzville | $12,426.70 | $373.55 – $9,535.00 |
| SSM Health St. Joseph Hospital - St. Charles | Saint Charles | $12,426.70 | $373.55 – $10,646.84 |
| SSM Health St. Mary's Hospital - St. Louis | Richmond Heights | $12,426.70 | $373.55 – $10,646.84 |
| SSM Health St. Mary's Hospital - Jefferson City | Jefferson City | $9,296.84 | $2,277.00 – $18,843.97 |
| Mercy Orthopedic Hospital Springfield | Ozark | $9,288.50 | not published |
| SSM Health St. Clare Hospital - Fenton | Fenton | $12,426.70 | $373.55 – $10,646.84 |