Dch validity tests at WellSpan Chambersburg Hospital
112 N. 7th St., Chambersburg, PA · Wellspan · · NPI 1902804552
$17.60
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.
$22.00
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.
$3.48 with Blue_Cross_BlueJourney_Medicare vs $25.42 with Blue_Cross — 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 |
|---|---|---|---|
| Blue_Cross_BlueJourney_Medicare | All_Plans | $3.48 | ↓ -80% |
| Highmark_Medicare | All_Plans | $3.51 | ↓ -80% |
| Highmark_Wholecare_Gateway_Medicare | All_Plans | $3.51 | ↓ -80% |
| Amerihealth_Caritas_Medicaid | All_Plans | $3.57 | ↓ -80% |
| Aetna_Advantra_Medicare | All_Plans | $3.58 | ↓ -80% |
| Aetna_Medicare | All_Plans | $3.58 | ↓ -80% |
| Devoted_Medicare | All_Plans | $3.65 | ↓ -79% |
| United_Medicare | ISNP_DSNP_Plans | $3.65 | ↓ -79% |
| Amerihealth_Medicare | All_Plans | $3.67 | ↓ -79% |
| Geisinger_Gold_Medicare | All_Plans | $3.72 | ↓ -79% |
| Blue_Cross | Capital_Blue_Performance_PPO | $3.74 | ↓ -79% |
| Jefferson_Health_Medicare_Advantage | All_Plans | $3.76 | ↓ -79% |
| PA_Health_&_Wellness_Medicare | All_Plans | $3.76 | ↓ -79% |
| Highmark_Wholecare_Gateway_Medicaid | All_Plans | $4.46 | ↓ -75% |
| Geisinger_Medicaid | All_Plans | $4.46 | ↓ -75% |
| PA_Health_&_Wellness_Medicaid | All_Plans | $4.46 | ↓ -75% |
| Health_Partners_Medicaid | All_Other_Plans | $4.46 | ↓ -75% |
| UPMC_Medicaid | All_Plans | $4.47 | ↓ -75% |
| UPMC_Medicare | UPMC_for_Life_Community_HealthChoices | $4.52 | ↓ -74% |
| UPMC_Medicare | UPMC_for_Life_Complete_Care | $4.52 | ↓ -74% |
| Highmark | Higmark_Healthy_Kids | $5.26 | ↓ -70% |
| Health_Partners_Medicaid | Kidz_Partners | $5.74 | ↓ -67% |
| United_Medicaid | Community_Plan_For_Kids | $6.09 | ↓ -65% |
| United_Healthcare | All_Plans | $10.44 | ↓ -41% |
| Aetna_Better_Health_Kids | All_Plans | $11.83 | ↓ -33% |
| UPMC | UPMC_For_Kids | $13.20 | ↓ -25% |
| Aetna | PPO_Plan | $14.37 | ↓ -18% |
| Aetna | All_Plans | $14.37 | ↓ -18% |
| Highmark | Choice_Blue_PPO | $15.48 | ↓ -12% |
| Highmark | All_Other_Plans | $15.48 | ↓ -12% |
| Highmark | My_Direct_Blue | $15.48 | ↓ -12% |
| Performance_Blue | Blue_Cross_High_Performance_Network | $15.48 | ↓ -12% |
| Highmark | Shared_Cost_Blue_PPO | $15.48 | ↓ -12% |
| Highmark | Blue_Cross_High_Performance_Network | $15.48 | ↓ -12% |
| WellSpan_Capital_Blue_Cross | All_Plans | $15.84 | ↓ -10% |
| Geisinger | All_Plans | $16.28 | ↓ -8% |
| Cigna | All_Plans | $16.39 | ↓ -7% |
| Cigna | PPO_Plan | $17.21 | ↓ -2% |
| Blue_Cross | Capital_Cares_4_kids | $17.79 | ↑ +1% |
| First_Health_Network | All_Plans | $20.90 | ↑ +19% |
| Blue_Cross | All_Other_Plans | $25.42 | ↑ +44% |
Visitor-reported prices
Comments
Dch validity tests at other Pennsylvania hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UPMC Altoona | Altoona | $18.60 | $3.44 – $24.80 |
| UPMC Bedford | Everett | $37.20 | $1.26 – $55.80 |
| UPMC Carlisle | Carlisle | $25.20 | $3.45 – $35.70 |
| UPMC Cole | Coudersport | $19.80 | $2.26 – $26.40 |
| UPMC Community Osteopathic | Harrisburg | $25.20 | $2.40 – $26.26 |
| UPMC East | Monroeville | $53.40 | $3.44 – $71.20 |
| UPMC Hamot | Erie | $19.80 | $3.44 – $6.95 |
| UPMC Northwest | Seneca | $18.60 | $3.16 – $4.11 |