healthcosts.net
Surgical pathology level 3 gross & microscopic examination at UPMC Mercy
1400 Locust Street, Pittsburgh, PA · UPMC · · NPI 163914308
$383.40
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.
$639.00
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.
$13.46 with UPMC Health Plan vs $575.10 with Health Payors Organization — 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 |
|---|---|---|---|
| UPMC Health Plan | Commercial | $13.46 | ↓ -96% |
| UPMC Health Plan | Managed Medicaid | $18.18 | ↓ -95% |
| United Healthcare Community Plan for Families | PA Medicaid | $19.01 | ↓ -95% |
| Highmark BCBS of PA | Complete Blue Medicare Advantage/Freedom Blue Medicare Advantage/Security Blue Medicare Advantage | $20.24 | ↓ -95% |
| Highmark Wholecare (prev Gateway) | Medicaid | $24.51 | ↓ -94% |
| AmeriHealth Caritas | Community HealthChoices (CHC)/Medicaid | $26.16 | ↓ -93% |
| PA Health & Wellness | Community Health Choices/PA Medicaid HMO | $28.17 | ↓ -93% |
| Highmark BCBS of PA | Managed Care - Social Mission | $30.57 | ↓ -92% |
| Highmark BCBS of PA | Managed Care | $40.94 | ↓ -89% |
| UPMC Health Plan | Managed Medicare | $42.46 | ↓ -89% |
| Highmark BCBS of PA | Commercial - Social Mission Indemnity | $48.32 | ↓ -87% |
| UPMC Health Plan | CHIP | $48.78 | ↓ -87% |
| Geisinger | Medicaid/CHIP | $50.94 | ↓ -87% |
| UPMC Health Plan | EPO Partners/EPO Select Plan/HMO | $52.27 | ↓ -86% |
| Aetna of PA | Medicare | $53.49 | ↓ -86% |
| AmeriHealth Caritas | Medicare | $55.02 | ↓ -86% |
| Highmark Wholecare (prev Gateway) | Medicare | $55.02 | ↓ -86% |
| PA Health & Wellness | Allwell Medicare Advantage DSNP/Medicare Advantage (Allwell by Wellcare) | $55.02 | ↓ -86% |
| Aetna | Medicare | $56.03 | ↓ -85% |
| Highmark BCBS of PA | Commercial - Indemnity | $64.71 | ↓ -83% |
| UPMC Work Partners | Workers Comp | $94.26 | ↓ -75% |
| Aetna | Neighborhood Network | $178.28 | ↓ -54% |
| Aetna | Home Depot Employer Group | $194.58 | ↓ -49% |
| Aetna | NBR ASO/FI | $198.09 | ↓ -48% |
| Cigna | New Business ASO | $217.26 | ↓ -43% |
| Bravo | Medicare | $223.65 | ↓ -42% |
| Aetna | EBR FI | $242.82 | ↓ -37% |
| Cigna | Commercial | $255.60 | ↓ -33% |
| Aetna | EBR ASO | $255.60 | ↓ -33% |
| Coventry/First Health | Commercial | $281.16 | ↓ -27% |
| InterGroup | PPO | $319.50 | ↓ -17% |
| Cigna Behavioral Health | Commercial | $383.40 | ↑ +0% |
| Private Health Care Systems | PPO | $479.25 | ↑ +25% |
| InterGroup | Approved National Affiliated PPO Business | $511.20 | ↑ +33% |
| American Healthcare Group | Commercial | $511.20 | ↑ +33% |
| National Provider Network | PPO | $523.98 | ↑ +37% |
| Multiplan | PPO (inc. Auto and Worker's Compensation) | $575.10 | ↑ +50% |
| Health Payors Organization | Commercial | $575.10 | ↑ +50% |
| Tricare | East Region | not published by hospital | — |
| US Family Health Plan | Tricare Prime | not published by hospital | — |
Visitor-reported prices
Comments
Surgical pathology level 3 gross & microscopic examination at other Pennsylvania hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UPMC Passavant-McCandless | Pittsburgh | $236.40 | $13.54 – $334.90 |
| UPMC Presbyterian | Pittsburgh | $542.40 | $7.80 – $768.40 |
| UPMC St. Margaret | Pittsburgh | $622.20 | $13.57 – $881.45 |
| UPMC Muncy | Muncy | $212.40 | $8.32 – $283.20 |
| UPMC Northwest | Seneca | $74.40 | $13.54 – $105.40 |
| UPMC Somerset | Somerset | $116.40 | $7.47 – $145.50 |
| UPMC Wellsboro | Wellsboro | $256.80 | $8.32 – $288.90 |
| UPMC Williamsport | Williamsport | $212.40 | $8.32 – $283.20 |