healthcosts.net
Annual Physical, New Patient (age 18-39) at Atrium Health Union
600 Hospital Dr, Monroe, NC · Atrium Health · · NPI 1396790325
$143.25
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.
?
What you pay up front if you don't use insurance.
$286.50
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.
?
The hospital's undiscounted list price — almost no one pays this.
$33.72 with Partners vs $190.40 with Private Health Care Systems — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 | $33.72 | ↓ -76% |
| Amerihealth Caritas | Managed Medicaid | $33.98 | ↓ -76% |
| Alliance | Managed Medicaid | $34.32 | ↓ -76% |
| Wellcare | Managed Medicaid | $34.63 | ↓ -76% |
| Healthy Blue | Managed Medicaid | $34.63 | ↓ -76% |
| Carolina Complete Health | Managed Medicaid | $34.63 | ↓ -76% |
| United Healthcare | Managed Medicaid | $34.76 | ↓ -76% |
| Vaya | Managed Medicaid | $34.97 | ↓ -76% |
| Trillium | Managed Medicaid | $35.67 | ↓ -75% |
| Alliance | Behavioral Health | $40.13 | ↓ -72% |
| Blue Cross Blue Shield of North Carolina | Local Individual Commercial | $62.98 | ↓ -56% |
| Aetna | Connected North Carolina Individual HMO | $68.74 | ↓ -52% |
| Blue Cross Blue Shield of North Carolina | Local Group Commercial | $73.31 | ↓ -49% |
| United Healthcare | Medicare Advantage | $74.04 | ↓ -48% |
| Ambetter | CoBranded Commercial | $77.33 | ↓ -46% |
| Ambetter | Individual Commercial | $94.16 | ↓ -34% |
| Cigna Healthspring | Medicare Advantage | $95.20 | ↓ -34% |
| Blue Cross Blue Shield of North Carolina | HMO-PPO Managed Care | $96.47 | ↓ -33% |
| Aetna | Whole Health HMO | $102.98 | ↓ -28% |
| United Healthcare | IEX Commercial | $104.28 | ↓ -27% |
| Aetna | North Carolina Preferred Plus Commercial | $105.58 | ↓ -26% |
| Physician Reach Out | Plan P | $105.78 | ↓ -26% |
| Cigna | Commercial NB | $112.32 | ↓ -22% |
| Employers Health Network | Commercial | $114.65 | ↓ -20% |
| Aetna | Broad Network | $118.81 | ↓ -17% |
| Humana | Medicare Advantage | $122.72 | ↓ -14% |
| United Healthcare | HMO-PPO Managed Care | $122.96 | ↓ -14% |
| Aetna | Medicare Advantage | $124.53 | ↓ -13% |
| Cigna | HMO-PPO Managed Care | $134.37 | ↓ -6% |
| Aetna First Health | Commercial | $139.62 | ↓ -3% |
| MedCost | Ultra | $140.08 | ↓ -2% |
| Ortho Carolina | Commercial | $150.39 | ↑ +5% |
| Magellan | Behavioral Health | $155.64 | ↑ +9% |
| Quik Trip | Commercial | $158.66 | ↑ +11% |
| GMMI | Commercial | $158.66 | ↑ +11% |
| Healthgram | Commercial | $161.20 | ↑ +13% |
| ChoiceCare | Commercial | $162.56 | ↑ +13% |
| MedCost | PPO | $168.61 | ↑ +18% |
| Multiplan | Commercial | $169.24 | ↑ +18% |
| Cigna | Commercial SAR | $175.10 | ↑ +22% |
| First Health | Commercial | $179.82 | ↑ +26% |
| Beechstreet | Commercial | $190.40 | ↑ +33% |
| Provider Select | Commercial | $190.40 | ↑ +33% |
| Private Health Care Systems | Commercial | $190.40 | ↑ +33% |
| Broughton Cardinal Partners | Commercial | not published by hospital | — |
| Physician Reach Out | Plan H | not published by hospital | — |
Visitor-reported prices
Comments
Annual Physical, New Patient (age 18-39) at other North-carolina hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Atrium Health Anson | Wadesboro | $143.25 | $38.81 – $194.63 |
| Atrium Health Behavioral Health Charlotte | Charlotte | $143.25 | $49.29 – $207.52 |
| Atrium Health Cleveland | Shelby | $143.25 | $36.32 – $194.63 |
| Atrium Health Cabarrus | Concord | $143.25 | $31.83 – $190.40 |
| Atrium Health Lincoln | Lincolnton | $143.25 | $29.26 – $190.40 |
| Atrium Health Mercy | Charlotte | $143.25 | $56.58 – $190.40 |
| Atrium Health Pineville | Charlotte | $143.25 | $25.94 – $190.40 |
| Atrium Health Stanly | Albermarle | $143.25 | $31.13 – $198.86 |