Ot evaluation moderate complexity patient/family at SSM Health St. Joseph Hospital - St. Charles
300 1St Capitol Dr, Saint Charles, MO · SSM Health · · NPI 1467521146
$223.85
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.
$407.00
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.
$81.51 with BCBS vs $117.84 with Oscar — 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 | $81.51 | ↓ -64% |
| BCBS | Anthem Blue Access Choice PPO | $83.76 | ↓ -63% |
| BCBS | Anthem Blue Preferred HMO/POS | $84.15 | ↓ -62% |
| BCBS | Anthem Blue Access PPO | $90.76 | ↓ -59% |
| Aetna | Medicare Managed Care Plan | $98.20 | ↓ -56% |
| Aetna | Gold Advantage Medicare Managed Care Plan | $99.18 | ↓ -56% |
| UnitedHealthCare | Medicare Managed Care Plan | $99.65 | ↓ -55% |
| BCBS | Anthem Medicare Managed Care Plan | $99.67 | ↓ -55% |
| Humana | Medicare Managed Care Plan | $99.87 | ↓ -55% |
| Aetna | Advantra Medicare Managed Care Plan | $101.64 | ↓ -55% |
| Oscar | Exchange | $117.84 | ↓ -47% |
Visitor-reported prices
Comments
Ot evaluation moderate complexity patient/family at other Missouri hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| SSM Health St. Joseph Hospital - Lake Saint Louis | Lake Saint Louis | $223.85 | $81.51 – $117.84 |
| SSM Health DePaul Hospital - St. Louis | Bridgeton | $223.85 | $81.51 – $117.84 |
| SSM Health Saint Louis University Hospital | Saint Louis | $214.50 | $93.59 – $117.84 |
| SSM Health St. Joseph Hospital- Wentzville | Wentzville | $223.85 | $81.51 – $81.51 |
| SSM Health St. Mary's Hospital - St. Louis | Richmond Heights | $223.85 | $81.51 – $117.84 |
| SSM Health St. Mary's Hospital - Jefferson City | Jefferson City | $189.71 | $97.66 – $176.76 |
| Mercy Hospital Aurora | Aurora | $489.45 | $55.76 – $136.12 |
| Mercy Hospital Lincoln | Troy | $752.05 | $123.75 – $136.12 |