Observation direct referral from physician office for admission at Adventhealth Hendersonville
100 Hospital Drive, Hendersonville, NC · AdventHealth · · NPI 1427075027
$439.00
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.
$439.00
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.
$569.22 with Aetna vs $1,421.35 with Oscar Health Plan — 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 |
|---|---|---|---|
| Aetna | Medicare Managed Care - Hmo | $569.22 | ↑ +30% |
| Humana | Medicare Managed Care - Hmo/Ppo | $574.91 | ↑ +31% |
| Alignment Health Plan | Medicare Managed Care - Hmo/Ppo | $580.61 | ↑ +32% |
| Longevity Health Plan | Medicare Managed Care - Hmo | $586.30 | ↑ +34% |
| Oscar Health Plan | Individual Plan Hmo | $1,421.35 | ↑ +224% |
Visitor-reported prices
Comments
Observation direct referral from physician office for admission at other North-carolina hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Atrium Health Anson | Wadesboro | $523.50 | $156.63 – $994.65 |
| Atrium Health Behavioral Health Charlotte | Charlotte | $523.50 | $195.79 – $1,679.00 |
| Atrium Health Cabarrus | Concord | $523.50 | $128.47 – $1,679.00 |
| Atrium Health Cleveland | Shelby | $523.50 | $146.58 – $1,679.00 |
| Atrium Health Lincoln | Lincolnton | $523.50 | $118.10 – $994.65 |
| Atrium Health Mercy | Charlotte | $523.50 | $228.35 – $1,679.00 |
| Atrium Health Pineville | Charlotte | $523.50 | $104.70 – $1,679.00 |
| Atrium Health Stanly | Albermarle | $523.50 | $125.64 – $1,679.00 |