Trml dstrj ios bvn 1st 2 l/s at SSM Health St. Joseph Hospital - St. Charles
300 1St Capitol Dr, Saint Charles, MO · SSM Health · · NPI 1467521146
$10,293.25
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.
$18,715.00
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.
$480.03 with BCBS vs $15,431.29 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 | $480.03 | ↓ -95% |
| BCBS | Anthem Blue Access Choice PPO | $493.27 | ↓ -95% |
| BCBS | Anthem Blue Preferred HMO/POS | $495.62 | ↓ -95% |
| BCBS | Anthem Blue Access PPO | $534.55 | ↓ -95% |
| Ambetter | Exchange | $2,167.00 | ↓ -79% |
| Cigna | OAP Other Commercial Plan | $3,071.00 | ↓ -70% |
| Aetna | Carelink Other Commercial Plan | $3,112.00 | ↓ -70% |
| Healthlink | Employers Choice All Commercial Plans | $3,597.00 | ↓ -65% |
| UnitedHealthCare | St. Louis University Employee | $4,464.00 | ↓ -57% |
| Aetna | NBD Other Commercial Plan | $4,539.00 | ↓ -56% |
| Aetna | All Commercial Plans | $5,144.00 | ↓ -50% |
| UnitedHealthCare | All Commercial Plans | $5,187.00 | ↓ -50% |
| Healthlink | HMO | $5,982.00 | ↓ -42% |
| UnitedHealthCare | Options PPO | $6,144.00 | ↓ -40% |
| Aetna | Medicare Managed Care Plan | $12,859.41 | ↑ +25% |
| Aetna | Gold Advantage Medicare Managed Care Plan | $12,988.00 | ↑ +26% |
| UnitedHealthCare | Medicare Managed Care Plan | $13,049.73 | ↑ +27% |
| BCBS | Anthem Medicare Managed Care Plan | $13,052.30 | ↑ +27% |
| Humana | Medicare Managed Care Plan | $13,078.02 | ↑ +27% |
| Aetna | Advantra Medicare Managed Care Plan | $13,309.49 | ↑ +29% |
| Oscar | Exchange | $15,431.29 | ↑ +50% |
Visitor-reported prices
Comments
Trml dstrj ios bvn 1st 2 l/s at other Missouri hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| SSM Health St. Joseph Hospital - Lake Saint Louis | Lake Saint Louis | $10,293.25 | $480.03 – $15,431.29 |
| SSM Health DePaul Hospital - St. Louis | Bridgeton | $10,293.25 | $480.03 – $15,431.29 |
| SSM Health St. Joseph Hospital- Wentzville | Wentzville | $10,293.25 | $480.03 – $4,464.00 |
| SSM Health St. Mary's Hospital - St. Louis | Richmond Heights | $10,293.25 | $480.03 – $15,431.29 |
| Mercy Hospital Southeast | Cape Girardeau | $34,200.77 | $342.58 – $82,504.39 |
| Mercy Orthopedic Hospital Springfield | Ozark | $27,032.67 | $34.02 – $24,329.12 |
| SSM Health St. Clare Hospital - Fenton | Fenton | $10,293.25 | $480.03 – $15,431.29 |
| SSM Health Saint Louis University Hospital | Saint Louis | not published | $551.19 – $15,431.29 |