Colonoscopy (with polyp removal) at SSM Health St. Mary's Hospital - St. Louis
6420 Clayton Rd, Richmond Heights, MO · SSM Health · · NPI 1780763284
$1,390.95
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.
$2,529.00
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.
$325.68 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 | $325.68 | ↓ -77% |
| BCBS | Anthem Blue Access Choice PPO | $334.66 | ↓ -76% |
| BCBS | Anthem Blue Preferred HMO/POS | $336.25 | ↓ -76% |
| BCBS | Anthem Blue Access PPO | $362.66 | ↓ -74% |
| Aetna | Medicare Managed Care Plan | $1,198.57 | ↓ -14% |
| Aetna | Gold Advantage Medicare Managed Care Plan | $1,210.56 | ↓ -13% |
| UnitedHealthCare | Medicare Managed Care Plan | $1,216.31 | ↓ -13% |
| BCBS | Anthem Medicare Managed Care Plan | $1,216.55 | ↓ -13% |
| Humana | Medicare Managed Care Plan | $1,218.95 | ↓ -12% |
| Oscar | Exchange | $1,438.29 | ↑ +3% |
| Ambetter | Exchange | $1,568.00 | ↑ +13% |
| Healthlink | Employers Choice All Commercial Plans | $1,628.00 | ↑ +17% |
| Aetna | Carelink Other Commercial Plan | $1,944.00 | ↑ +40% |
| UnitedHealthCare | All Commercial Plans | $2,363.00 | ↑ +70% |
| UnitedHealthCare | St. Louis University Employee | $2,371.00 | ↑ +70% |
| Cigna | OAP Other Commercial Plan | $2,680.00 | ↑ +93% |
| Healthlink | HMO | $2,709.00 | ↑ +95% |
| UnitedHealthCare | Options PPO | $2,783.00 | ↑ +100% |
| Aetna | NBD Other Commercial Plan | $2,835.00 | ↑ +104% |
| Aetna | All Commercial Plans | $3,213.00 | ↑ +131% |
Visitor-reported prices
Comments
Colonoscopy (with polyp removal) at other Missouri hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| SSM Health St. Joseph Hospital - Lake Saint Louis | Lake Saint Louis | $1,390.95 | $325.68 – $2,680.00 |
| SSM Health DePaul Hospital - St. Louis | Bridgeton | $1,390.95 | $325.68 – $2,680.00 |
| SSM Health St. Joseph Hospital- Wentzville | Wentzville | $1,390.95 | $325.68 – $2,680.00 |
| SSM Health St. Joseph Hospital - St. Charles | Saint Charles | $1,390.95 | $325.68 – $2,680.00 |
| Mercy Hospital Aurora | Aurora | $3,303.10 | $250.00 – $1,235.73 |
| Mercy Hospital Lincoln | Troy | $4,881.70 | $1,005.15 – $1,005.15 |
| Mercy Hospital Carthage | Carthage | $2,693.62 | $257.13 – $2,445.12 |
| Mercy Hospital Southeast | Cape Girardeau | $7,286.51 | $210.99 – $7,689.88 |