Fern test at The Unity Hospital of Rochester
1555 Long Pond Road, Rochester, NY · Rochesterregional · · NPI 1760421713
$35.14
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.
$43.92
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.
$8.47 with EXCELLUS vs $12.56 with AETNA — 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 |
|---|---|---|---|
| EXCELLUS | MEDICARE ADVANTAGE | $8.47 | ↓ -76% |
| UNITED HEALTHCARE | COMMERCIAL | $8.77 | ↓ -75% |
| MVP - CIGNA | COMMERCIAL | $9.16 | ↓ -74% |
| INDEPENDENT HEALTH ASSOCIATION | COMMERCIAL | $9.74 | ↓ -72% |
| INDEPENDENT HEALTH ASSOCIATION | MEDICAID | $9.74 | ↓ -72% |
| INDEPENDENT HEALTH ASSOCIATION | MEDICARE ADVANTAGE | $9.74 | ↓ -72% |
| CDPHP | MEDICARE ADVANTAGE | $9.74 | ↓ -72% |
| HUMANA | MEDICARE ADVANTAGE | $9.74 | ↓ -72% |
| UNITED HEALTHCARE | MEDICARE ADVANTAGE DUAL | $10.03 | ↓ -71% |
| EXCELLUS | COMMERCIAL | $10.52 | ↓ -70% |
| UNITED HEALTHCARE | MEDICARE ADVANTAGE | $10.91 | ↓ -69% |
| WELLCARE | MEDICARE ADVANTAGE | $12.18 | ↓ -65% |
| AETNA | MEDICARE ADVANTAGE | $12.56 | ↓ -64% |
Visitor-reported prices
Comments
Fern test at other New-york hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Rochester General Hospital | Rochester | $28.55 | $6.30 – $12.56 |
| Bellevue Hospital Center | NY 10016 | $9.74 | $1.00 – $24.21 |
| Harlem Hospital Center | New York | $9.74 | $1.00 – $24.21 |
| Kings County Hospital Center | Brooklyn | $9.74 | $1.00 – $24.21 |
| Lincoln Medical Center | Bronx | $9.74 | $1.00 – $24.21 |
| Metropolitan Hospital Center | New York | $9.74 | $1.00 – $24.21 |
| Queens Hospital Center | Jamaica | $9.74 | $1.00 – $24.21 |
| Woodhull Medical Center | Brooklyn | $9.74 | $1.00 – $24.21 |