healthcosts.net
Annual Physical, Established Patient (age 40-64) at Atrium Health Union
600 Hospital Dr, Monroe, NC · Atrium Health · · NPI 1396790325
$160.73
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.
$321.45
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.
$30.58 with Partners vs $223.49 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 |
|---|---|---|---|
| Partners | Managed Medicaid | $30.58 | ↓ -81% |
| Amerihealth Caritas | Managed Medicaid | $30.82 | ↓ -81% |
| Alliance | Managed Medicaid | $31.12 | ↓ -81% |
| Wellcare | Managed Medicaid | $31.41 | ↓ -80% |
| Healthy Blue | Managed Medicaid | $31.41 | ↓ -80% |
| Carolina Complete Health | Managed Medicaid | $31.41 | ↓ -80% |
| United Healthcare | Managed Medicaid | $31.52 | ↓ -80% |
| Vaya | Managed Medicaid | $31.71 | ↓ -80% |
| Trillium | Managed Medicaid | $32.35 | ↓ -80% |
| Alliance | Behavioral Health | $36.39 | ↓ -77% |
| Blue Cross Blue Shield of North Carolina | Local Individual Commercial | $57.12 | ↓ -64% |
| Aetna | Connected North Carolina Individual HMO | $62.34 | ↓ -61% |
| Blue Cross Blue Shield of North Carolina | Local Group Commercial | $66.48 | ↓ -59% |
| Ambetter | CoBranded Commercial | $70.13 | ↓ -56% |
| Ambetter | Individual Commercial | $85.40 | ↓ -47% |
| Blue Cross Blue Shield of North Carolina | HMO-PPO Managed Care | $87.49 | ↓ -46% |
| Aetna | Whole Health HMO | $93.39 | ↓ -42% |
| United Healthcare | IEX Commercial | $94.57 | ↓ -41% |
| Aetna | North Carolina Preferred Plus Commercial | $95.75 | ↓ -40% |
| Cigna | Commercial NB | $101.86 | ↓ -37% |
| Employers Health Network | Commercial | $103.98 | ↓ -35% |
| Aetna | Broad Network | $107.74 | ↓ -33% |
| United Healthcare | HMO-PPO Managed Care | $111.51 | ↓ -31% |
| United Healthcare | Medicare Advantage | $112.51 | ↓ -30% |
| Humana | Medicare Advantage | $117.78 | ↓ -27% |
| Aetna | Medicare Advantage | $119.52 | ↓ -26% |
| Cigna Healthspring | Medicare Advantage | $121.25 | ↓ -25% |
| Cigna | HMO-PPO Managed Care | $121.86 | ↓ -24% |
| MedCost | Ultra | $127.04 | ↓ -21% |
| Magellan | Behavioral Health | $141.15 | ↓ -12% |
| Aetna First Health | Commercial | $143.50 | ↓ -11% |
| Ortho Carolina | Commercial | $144.34 | ↓ -10% |
| Quik Trip | Commercial | $152.91 | ↓ -5% |
| GMMI | Commercial | $152.91 | ↓ -5% |
| MedCost | PPO | $152.91 | ↓ -5% |
| Cigna | Commercial SAR | $158.79 | ↓ -1% |
| Physician Reach Out | Plan P | $160.73 | ↑ +0% |
| ChoiceCare | Commercial | $162.56 | ↑ +1% |
| Healthgram | Commercial | $188.20 | ↑ +17% |
| First Health | Commercial | $199.96 | ↑ +24% |
| Beechstreet | Commercial | $211.73 | ↑ +32% |
| Provider Select | Commercial | $211.73 | ↑ +32% |
| Private Health Care Systems | Commercial | $211.73 | ↑ +32% |
| Multiplan | Commercial | $223.49 | ↑ +39% |
| 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 40-64) at other North-carolina hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Atrium Health Anson | Wadesboro | $160.73 | $35.19 – $223.49 |
| Atrium Health Behavioral Health Charlotte | Charlotte | $160.73 | $44.70 – $207.02 |
| Atrium Health Cleveland | Shelby | $160.73 | $32.94 – $223.49 |
| Atrium Health Cabarrus | Concord | $160.73 | $28.87 – $223.49 |
| Atrium Health Lincoln | Lincolnton | $160.73 | $26.54 – $223.49 |
| Atrium Health Mercy | Charlotte | $160.73 | $51.31 – $216.43 |
| Atrium Health Pineville | Charlotte | $160.73 | $23.53 – $216.43 |
| Atrium Health Stanly | Albermarle | $160.73 | $28.23 – $225.84 |