L hrt cath chd nm/abn nt cnj at SSM Health St. Joseph Hospital - St. Charles
300 1St Capitol Dr, Saint Charles, MO · SSM Health · · NPI 1467521146
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.
$291.61 with BCBS vs $27,154.00 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 | $291.61 | — |
| BCBS | Anthem Blue Access Choice PPO | $299.65 | — |
| BCBS | Anthem Blue Preferred HMO/POS | $301.08 | — |
| BCBS | Anthem Blue Access PPO | $324.73 | — |
| Aetna | Medicare Managed Care Plan | $3,247.17 | — |
| Aetna | Gold Advantage Medicare Managed Care Plan | $3,279.64 | — |
| UnitedHealthCare | Medicare Managed Care Plan | $3,295.22 | — |
| BCBS | Anthem Medicare Managed Care Plan | $3,295.87 | — |
| Humana | Medicare Managed Care Plan | $3,302.37 | — |
| Aetna | Advantra Medicare Managed Care Plan | $3,360.82 | — |
| UnitedHealthCare | St. Louis University Employee | $3,864.00 | — |
| Oscar | Exchange | $3,896.60 | — |
| Aetna | Carelink Other Commercial Plan | $4,223.00 | — |
| UnitedHealthCare | All Commercial Plans | $4,490.00 | — |
| UnitedHealthCare | Options PPO | $5,504.00 | — |
| Aetna | NBD Other Commercial Plan | $6,314.00 | — |
| Aetna | All Commercial Plans | $8,050.00 | — |
| Healthlink | Employers Choice All Commercial Plans | $8,380.00 | — |
| Healthlink | HMO | $13,939.00 | — |
| Healthlink | PPO | $27,154.00 | — |
Visitor-reported prices
Comments
L hrt cath chd nm/abn nt cnj at other Missouri hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| SSM Health Saint Louis University Hospital | Saint Louis | $3,262.60 | $334.84 – $7,906.00 |
| SSM Health Cardinal Glennon Children's Hospital | Saint Louis | $10,398.93 | $284.85 – $6,976.00 |
| SSM Health St. Joseph Hospital - Lake Saint Louis | Lake Saint Louis | not published | $291.61 – $8,380.00 |
| SSM Health DePaul Hospital - St. Louis | Bridgeton | not published | $291.61 – $8,380.00 |
| SSM Health St. Joseph Hospital- Wentzville | Wentzville | not published | $291.61 – $8,380.00 |
| SSM Health St. Mary's Hospital - St. Louis | Richmond Heights | not published | $291.61 – $8,380.00 |
| SSM Health St. Mary's Hospital - Jefferson City | Jefferson City | not published | $512.83 – $5,844.90 |
| SSM Health St. Clare Hospital - Fenton | Fenton | not published | $291.61 – $8,380.00 |