healthcosts.net
Annual Physical, New Patient (age 40-64) at Atrium Health Union
600 Hospital Dr, Monroe, NC · Atrium Health · · NPI 1396790325
$188.15
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.
$376.30
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.
$38.35 with Partners vs $280.25 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 | $38.35 | ↓ -80% |
| Amerihealth Caritas | Managed Medicaid | $38.65 | ↓ -79% |
| Alliance | Managed Medicaid | $39.03 | ↓ -79% |
| Wellcare | Managed Medicaid | $39.38 | ↓ -79% |
| Healthy Blue | Managed Medicaid | $39.38 | ↓ -79% |
| Carolina Complete Health | Managed Medicaid | $39.38 | ↓ -79% |
| United Healthcare | Managed Medicaid | $39.53 | ↓ -79% |
| Vaya | Managed Medicaid | $39.77 | ↓ -79% |
| Trillium | Managed Medicaid | $40.56 | ↓ -78% |
| Alliance | Behavioral Health | $45.64 | ↓ -76% |
| Blue Cross Blue Shield of North Carolina | Local Individual Commercial | $71.63 | ↓ -62% |
| Aetna | Connected North Carolina Individual HMO | $78.18 | ↓ -58% |
| Blue Cross Blue Shield of North Carolina | Local Group Commercial | $83.37 | ↓ -56% |
| Ambetter | CoBranded Commercial | $87.94 | ↓ -53% |
| Ambetter | Individual Commercial | $107.09 | ↓ -43% |
| Blue Cross Blue Shield of North Carolina | HMO-PPO Managed Care | $109.71 | ↓ -42% |
| Aetna | Whole Health HMO | $117.12 | ↓ -38% |
| United Healthcare | IEX Commercial | $118.59 | ↓ -37% |
| Aetna | North Carolina Preferred Plus Commercial | $120.07 | ↓ -36% |
| Cigna | Commercial NB | $127.74 | ↓ -32% |
| Employers Health Network | Commercial | $130.39 | ↓ -31% |
| United Healthcare | Medicare Advantage | $131.71 | ↓ -30% |
| Aetna | Broad Network | $135.11 | ↓ -28% |
| United Healthcare | HMO-PPO Managed Care | $139.83 | ↓ -26% |
| Humana | Medicare Advantage | $141.58 | ↓ -25% |
| Aetna | Medicare Advantage | $143.66 | ↓ -24% |
| Cigna Healthspring | Medicare Advantage | $145.74 | ↓ -23% |
| Cigna | HMO-PPO Managed Care | $152.81 | ↓ -19% |
| MedCost | Ultra | $159.30 | ↓ -15% |
| Ortho Carolina | Commercial | $173.50 | ↓ -8% |
| Magellan | Behavioral Health | $177.00 | ↓ -6% |
| Aetna First Health | Commercial | $179.95 | ↓ -4% |
| Physician Reach Out | Plan P | $188.15 | ↑ +0% |
| Quik Trip | Commercial | $191.75 | ↑ +2% |
| GMMI | Commercial | $191.75 | ↑ +2% |
| MedCost | PPO | $191.75 | ↑ +2% |
| Cigna | Commercial SAR | $199.13 | ↑ +6% |
| ChoiceCare | Commercial | $199.87 | ↑ +6% |
| Healthgram | Commercial | $236.00 | ↑ +25% |
| First Health | Commercial | $250.75 | ↑ +33% |
| Beechstreet | Commercial | $265.50 | ↑ +41% |
| Provider Select | Commercial | $265.50 | ↑ +41% |
| Private Health Care Systems | Commercial | $265.50 | ↑ +41% |
| Multiplan | Commercial | $280.25 | ↑ +49% |
| 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 40-64) at other North-carolina hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Atrium Health Anson | Wadesboro | $188.15 | $44.13 – $280.25 |
| Atrium Health Behavioral Health Charlotte | Charlotte | $188.15 | $56.05 – $259.60 |
| Atrium Health Cleveland | Shelby | $188.15 | $41.30 – $280.25 |
| Atrium Health Cabarrus | Concord | $188.15 | $36.20 – $280.25 |
| Atrium Health Lincoln | Lincolnton | $188.15 | $33.28 – $280.25 |
| Atrium Health Mercy | Charlotte | $188.15 | $64.34 – $271.40 |
| Atrium Health Pineville | Charlotte | $188.15 | $29.50 – $271.40 |
| Atrium Health Stanly | Albermarle | $188.15 | $35.40 – $283.20 |