Cultr oocyte/embryo <4 days at Atrium Health Union
600 Hospital Dr, Monroe, NC · Atrium Health · · NPI 1396790325
$1,291.35
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.
$2,582.70
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.
$166.24 with Humana vs $2,453.57 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 |
|---|---|---|---|
| Humana | Medicare Advantage | $166.24 | ↓ -87% |
| Aetna | Medicare Advantage | $168.68 | ↓ -87% |
| Cigna Healthspring | Medicare Advantage | $171.13 | ↓ -87% |
| United Healthcare | Medicare Advantage | $171.63 | ↓ -87% |
| Ortho Carolina | Commercial | $203.73 | ↓ -84% |
| Partners | Managed Medicaid | $335.75 | ↓ -74% |
| Amerihealth Caritas | Managed Medicaid | $338.33 | ↓ -74% |
| Alliance | Managed Medicaid | $341.69 | ↓ -74% |
| Healthy Blue | Managed Medicaid | $344.79 | ↓ -73% |
| Wellcare | Managed Medicaid | $344.79 | ↓ -73% |
| Carolina Complete Health | Managed Medicaid | $344.79 | ↓ -73% |
| United Healthcare | Managed Medicaid | $346.08 | ↓ -73% |
| Vaya | Managed Medicaid | $348.15 | ↓ -73% |
| Trillium | Managed Medicaid | $355.12 | ↓ -73% |
| Alliance | Behavioral Health | $399.54 | ↓ -69% |
| Blue Cross Blue Shield of North Carolina | Local Individual Commercial | $627.08 | ↓ -51% |
| Aetna | Connected North Carolina Individual HMO | $684.42 | ↓ -47% |
| Blue Cross Blue Shield of North Carolina | Local Group Commercial | $729.87 | ↓ -43% |
| Ambetter | CoBranded Commercial | $769.90 | ↓ -40% |
| Ambetter | Individual Commercial | $937.52 | ↓ -27% |
| Blue Cross Blue Shield of North Carolina | HMO-PPO Managed Care | $960.51 | ↓ -26% |
| Aetna | Whole Health HMO | $1,025.33 | ↓ -21% |
| United Healthcare | IEX Commercial | $1,038.25 | ↓ -20% |
| Aetna | North Carolina Preferred Plus Commercial | $1,051.16 | ↓ -19% |
| Cigna | Commercial NB | $1,118.31 | ↓ -13% |
| Employers Health Network | Commercial | $1,141.55 | ↓ -12% |
| Aetna | Broad Network | $1,182.88 | ↓ -8% |
| United Healthcare | HMO-PPO Managed Care | $1,224.20 | ↓ -5% |
| Cigna | HMO-PPO Managed Care | $1,337.84 | ↑ +4% |
| MedCost | Ultra | $1,394.66 | ↑ +8% |
| Magellan | Behavioral Health | $1,549.62 | ↑ +20% |
| Aetna First Health | Commercial | $1,575.45 | ↑ +22% |
| GMMI | Commercial | $1,678.76 | ↑ +30% |
| Quik Trip | Commercial | $1,678.76 | ↑ +30% |
| MedCost | PPO | $1,678.76 | ↑ +30% |
| Cigna | Commercial SAR | $1,743.32 | ↑ +35% |
| Healthgram | Commercial | $2,066.16 | ↑ +60% |
| ChoiceCare | Commercial | $2,195.30 | ↑ +70% |
| First Health | Commercial | $2,195.30 | ↑ +70% |
| Private Health Care Systems | Commercial | $2,324.43 | ↑ +80% |
| Provider Select | Commercial | $2,324.43 | ↑ +80% |
| Beechstreet | Commercial | $2,324.43 | ↑ +80% |
| Multiplan | Commercial | $2,453.57 | ↑ +90% |
| Physician Reach Out | Plan P | not published by hospital | — |
| Broughton Cardinal Partners | Commercial | not published by hospital | — |
| Physician Reach Out | Plan H | not published by hospital | — |
Visitor-reported prices
Comments
Cultr oocyte/embryo <4 days at other North-carolina hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Atrium Health Anson | Wadesboro | $1,291.35 | $166.24 – $2,453.57 |
| Atrium Health Behavioral Health Charlotte | Charlotte | $1,291.35 | $490.71 – $2,582.70 |
| Atrium Health Cabarrus | Concord | $1,291.35 | $166.24 – $2,453.57 |
| Atrium Health Cleveland | Shelby | $1,291.35 | $164.13 – $2,453.57 |
| Atrium Health Lincoln | Lincolnton | $1,291.35 | $163.97 – $2,453.57 |
| Atrium Health Mercy | Charlotte | $1,291.35 | $166.24 – $2,376.08 |
| Atrium Health Pineville | Charlotte | $1,291.35 | $166.24 – $2,376.08 |
| Atrium Health Stanly | Albermarle | $1,291.35 | $166.24 – $2,479.39 |