healthcosts.net
New Patient Office Visit (level 5) at UPMC Hamot
201 State Street, Erie, PA · UPMC · · NPI 1487647590
$360.60
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.
$601.00
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.
$63.91 with Cigna vs $527.06 with BCBS of Western NY — 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 |
|---|---|---|---|
| Cigna | Commercial | $63.91 | ↓ -82% |
| Cigna | New Business ASO | $63.91 | ↓ -82% |
| Univera | Univera_Medicare_Hamot_2024 | $90.15 | ↓ -75% |
| UPMC Health Plan | Managed Medicaid | $129.29 | ↓ -64% |
| United Healthcare Community Plan for Families | PA CHIP/PA Medicaid | $135.17 | ↓ -63% |
| Aetna | Medicaid | $141.05 | ↓ -61% |
| Highmark BCBS of PA | Complete Blue Medicare Advantage/Freedom Blue Medicare Advantage/Security Blue Medicare Advantage | $149.43 | ↓ -59% |
| Aetna | Commercial | $150.25 | ↓ -58% |
| Geisinger | Medicaid/CHIP | $163.37 | ↓ -55% |
| Highmark Wholecare (prev Gateway) | Medicaid | $174.31 | ↓ -52% |
| Health Partners Plans (Jefferson Health Plan) | Medicaid/CHIP | $177.25 | ↓ -51% |
| Cigna | NBR ASO/FI | $180.30 | ↓ -50% |
| AmeriHealth Caritas | Community HealthChoices (CHC)/Medicaid | $183.49 | ↓ -49% |
| Univera | Commercial | $198.33 | ↓ -45% |
| PA Health & Wellness | Community Health Choices/PA Medicaid HMO | $200.31 | ↓ -44% |
| Independent Health | Medicare Advantage | $206.88 | ↓ -43% |
| Independent Health | Commercial | $220.61 | ↓ -39% |
| Aetna | Medicare | $240.40 | ↓ -33% |
| Cigna | EBR | $240.40 | ↓ -33% |
| UPMC Work Partners | Workers Comp | $264.44 | ↓ -27% |
| Highmark Wholecare (prev Gateway) | Medicare | $300.50 | ↓ -17% |
| Highmark BCBS of PA | Commercial - Indemnity/Commercial - Social Mission Indemnity/Managed Care/Managed Care - Social Mission | $309.19 | ↓ -14% |
| InterGroup | Health Coalition Partners/PPO | $390.65 | ↑ +8% |
| Aetna | AXA/MMO | $420.70 | ↑ +17% |
| Multiplan | PPO (Includes PHCS as a Payer) | $420.70 | ↑ +17% |
| InterGroup | Beech Street | $480.80 | ↑ +33% |
| Multiplan | Complimentary Network Rate (Includes Multiplan as Payer) | $480.80 | ↑ +33% |
| Highmark BCBS of PA | UPMC Emergent | $494.71 | ↑ +37% |
| BCBS of Western NY | Commercial | $527.06 | ↑ +46% |
Visitor-reported prices
Comments
New Patient Office Visit (level 5) at other Pennsylvania hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UPMC Passavant-McCandless | Pittsburgh | $663.60 | $129.29 – $940.10 |
| UPMC East | Monroeville | $516.00 | $36.08 – $688.00 |
| UPMC Altoona | Altoona | $343.80 | $30.00 – $458.40 |
| UPMC Bedford | Everett | $355.80 | $36.08 – $533.70 |
| UPMC Cole | Coudersport | $526.20 | $65.78 – $385.60 |
| UPMC Community Osteopathic | Harrisburg | $814.80 | $149.28 – $1,133.05 |
| UPMC Horizon-Greenville | Greenville | $526.20 | $123.42 – $745.45 |
| UPMC Jameson | New Castle | $526.20 | $29.68 – $771.76 |