healthcosts.net
Annual Physical, Established Patient (age 18-39) at Atrium Health Union
600 Hospital Dr, Monroe, NC · Atrium Health · · NPI 1396790325
$114.75
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.
$229.50
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.
$27.52 with Partners vs $166.59 with Private Health Care Systems — 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 |
|---|---|---|---|
| Partners | Managed Medicaid | $27.52 | ↓ -76% |
| Amerihealth Caritas | Managed Medicaid | $27.73 | ↓ -76% |
| Alliance | Managed Medicaid | $28.01 | ↓ -76% |
| Wellcare | Managed Medicaid | $28.26 | ↓ -75% |
| Healthy Blue | Managed Medicaid | $28.26 | ↓ -75% |
| Carolina Complete Health | Managed Medicaid | $28.26 | ↓ -75% |
| United Healthcare | Managed Medicaid | $28.37 | ↓ -75% |
| Vaya | Managed Medicaid | $28.54 | ↓ -75% |
| Trillium | Managed Medicaid | $29.11 | ↓ -75% |
| Alliance | Behavioral Health | $32.75 | ↓ -71% |
| Blue Cross Blue Shield of North Carolina | Local Individual Commercial | $51.40 | ↓ -55% |
| Aetna | Connected North Carolina Individual HMO | $56.10 | ↓ -51% |
| Blue Cross Blue Shield of North Carolina | Local Group Commercial | $59.83 | ↓ -48% |
| Ambetter | CoBranded Commercial | $63.11 | ↓ -45% |
| United Healthcare | Medicare Advantage | $64.79 | ↓ -44% |
| Ambetter | Individual Commercial | $76.85 | ↓ -33% |
| Blue Cross Blue Shield of North Carolina | HMO-PPO Managed Care | $78.73 | ↓ -31% |
| Cigna Healthspring | Medicare Advantage | $83.30 | ↓ -27% |
| Aetna | Whole Health HMO | $84.04 | ↓ -27% |
| United Healthcare | IEX Commercial | $85.10 | ↓ -26% |
| Aetna | North Carolina Preferred Plus Commercial | $86.16 | ↓ -25% |
| Cigna | Commercial NB | $91.67 | ↓ -20% |
| Physician Reach Out | Plan P | $92.55 | ↓ -19% |
| Employers Health Network | Commercial | $93.57 | ↓ -18% |
| Aetna | Broad Network | $96.96 | ↓ -16% |
| United Healthcare | HMO-PPO Managed Care | $100.35 | ↓ -13% |
| Cigna | HMO-PPO Managed Care | $109.66 | ↓ -4% |
| Humana | Medicare Advantage | $110.78 | ↓ -3% |
| Aetna | Medicare Advantage | $112.41 | ↓ -2% |
| MedCost | Ultra | $114.32 | ↓ -0% |
| Aetna First Health | Commercial | $122.17 | ↑ +6% |
| Magellan | Behavioral Health | $127.02 | ↑ +11% |
| Ortho Carolina | Commercial | $135.76 | ↑ +18% |
| Quik Trip | Commercial | $137.61 | ↑ +20% |
| GMMI | Commercial | $137.61 | ↑ +20% |
| MedCost | PPO | $137.61 | ↑ +20% |
| Healthgram | Commercial | $141.05 | ↑ +23% |
| Cigna | Commercial SAR | $142.90 | ↑ +25% |
| ChoiceCare | Commercial | $144.50 | ↑ +26% |
| Multiplan | Commercial | $148.08 | ↑ +29% |
| First Health | Commercial | $157.34 | ↑ +37% |
| Beechstreet | Commercial | $166.59 | ↑ +45% |
| Provider Select | Commercial | $166.59 | ↑ +45% |
| Private Health Care Systems | Commercial | $166.59 | ↑ +45% |
| Broughton Cardinal Partners | Commercial | not published by hospital | — |
| Physician Reach Out | Plan H | not published by hospital | — |
Visitor-reported prices
Comments
Annual Physical, Established Patient (age 18-39) at other North-carolina hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Atrium Health Anson | Wadesboro | $114.75 | $31.67 – $170.29 |
| Atrium Health Behavioral Health Charlotte | Charlotte | $114.75 | $40.22 – $169.36 |
| Atrium Health Cleveland | Shelby | $114.75 | $29.64 – $170.29 |
| Atrium Health Cabarrus | Concord | $114.75 | $25.98 – $166.59 |
| Atrium Health Lincoln | Lincolnton | $114.75 | $23.88 – $166.59 |
| Atrium Health Mercy | Charlotte | $114.75 | $46.17 – $166.59 |
| Atrium Health Pineville | Charlotte | $114.75 | $21.17 – $166.59 |
| Atrium Health Stanly | Albermarle | $114.75 | $25.40 – $173.99 |