App high cost ss f/n/g/h/f <100sq cm addl <25sq cm at SSM Health St. Joseph Hospital - St. Charles
300 1St Capitol Dr, Saint Charles, MO · SSM Health · · NPI 1467521146
$171.05
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.
?
What you pay up front if you don't use insurance.
$311.00
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.
?
The hospital's undiscounted list price — almost no one pays this.
$26.42 with BCBS vs $3,886.00 with Oscar — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 | $26.42 | ↓ -85% |
| BCBS | Anthem Blue Access Choice PPO | $27.15 | ↓ -84% |
| BCBS | Anthem Blue Preferred HMO/POS | $27.28 | ↓ -84% |
| BCBS | Anthem Blue Access PPO | $29.42 | ↓ -83% |
| UnitedHealthCare | St. Louis University Employee | $541.00 | ↑ +216% |
| UnitedHealthCare | All Commercial Plans | $719.00 | ↑ +320% |
| UnitedHealthCare | Options PPO | $932.00 | ↑ +445% |
| Healthlink | Employers Choice All Commercial Plans | $1,216.00 | ↑ +611% |
| Aetna | Carelink Other Commercial Plan | $1,444.00 | ↑ +744% |
| Healthlink | HMO | $2,024.00 | ↑ +1083% |
| Aetna | NBD Other Commercial Plan | $2,131.00 | ↑ +1146% |
| Ambetter | Exchange | $2,167.00 | ↑ +1167% |
| Aetna | All Commercial Plans | $2,414.00 | ↑ +1311% |
| Oscar | Exchange | $3,886.00 | ↑ +2172% |
Visitor-reported prices
Comments
App high cost ss f/n/g/h/f <100sq cm addl <25sq cm at other Missouri hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| SSM Health St. Joseph Hospital - Lake Saint Louis | Lake Saint Louis | $171.05 | $26.42 – $3,886.00 |
| SSM Health DePaul Hospital - St. Louis | Bridgeton | $171.05 | $26.42 – $3,886.00 |
| SSM Health St. Joseph Hospital- Wentzville | Wentzville | $171.05 | $26.42 – $3,886.00 |
| SSM Health St. Mary's Hospital - St. Louis | Richmond Heights | $171.05 | $26.42 – $3,886.00 |
| SSM Health St. Mary's Hospital - Jefferson City | Jefferson City | $257.59 | $1,351.00 – $2,277.00 |
| Mercy Hospital Carthage | Carthage | $181.35 | $25.98 – $31.33 |
| Mercy Orthopedic Hospital Springfield | Ozark | $512.20 | not published |
| SSM Health St. Clare Hospital - Fenton | Fenton | $171.05 | $26.42 – $3,886.00 |