healthcosts.net
ER Visit (level 5, high severity) at Ogallala Community Hospital
2601 N Spruce Street, Ogallala, NE · Banner Health · · NPI 1710915467
$3,172.59
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.
$1,460.00
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.
$343.20 with Banner Health vs $756.60 with Multiplan — 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 |
|---|---|---|---|
| Banner Health | Banner Choice Plus/Banner Select | $343.20 | ↓ -89% |
| Blue Cross Blue Shield of Wyoming | Medicare Advantage | $343.20 | ↓ -89% |
| Medica | Medicare Advantage | $343.20 | ↓ -89% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | $343.20 | ↓ -89% |
| United Healthcare | UHC Medicare Advantage | $358.80 | ↓ -89% |
| Molina Healthcare | Medicaid/CHIP | $382.20 | ↓ -88% |
| Nebraska Total Care | Medicaid | $382.20 | ↓ -88% |
| Keith County Sheriff’s Office | Imate/Detainee Plan | $585.00 | ↓ -82% |
| United Healthcare | VA Community Care | $671.60 | ↓ -79% |
| Apostrophe, Inc. | Commercial | $702.00 | ↓ -78% |
| United Healthcare | Nebraska Medicaid/CHIP | $715.40 | ↓ -77% |
| United Healthcare | Commercial/Individual Exchange | $741.00 | ↓ -77% |
| Medica | Commercial | $743.34 | ↓ -77% |
| Blue Cross Blue Shield of Wyoming | Network Blue | $748.80 | ↓ -76% |
| Coventry | Commercial | $748.80 | ↓ -76% |
| Coventry | Workers Comp | $748.80 | ↓ -76% |
| First Health | Medical Rental | $748.80 | ↓ -76% |
| Midlands Choice | Commercial | $748.80 | ↓ -76% |
| Multiplan | Commercial | $756.60 | ↓ -76% |