healthcosts.net
Diffusing capacity at UPMC St. Margaret
815 Freeport Road, Pittsburgh, PA · UPMC · · NPI 1790795359
$362.40
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.
$604.00
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.
$36.59 with Highmark BCBS of PA vs $375.05 with UPMC Health Plan — 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 |
|---|---|---|---|
| Highmark BCBS of PA | Complete Blue Medicare Advantage/Freedom Blue Medicare Advantage/Security Blue Medicare Advantage | $36.59 | ↓ -90% |
| UPMC Health Plan | Managed Medicaid | $43.49 | ↓ -88% |
| United Healthcare Community Plan for Families | PA CHIP/PA Medicaid | $43.49 | ↓ -88% |
| Highmark Wholecare (prev Gateway) | Medicaid | $58.64 | ↓ -84% |
| AmeriHealth Caritas | Community HealthChoices (CHC)/Medicaid | $61.73 | ↓ -83% |
| PA Health & Wellness | PA Medicaid HMO | $67.38 | ↓ -81% |
| UPMC Work Partners | Workers Comp | $72.88 | ↓ -80% |
| Highmark BCBS of PA | Managed Care - Social Mission | $95.58 | ↓ -74% |
| Aetna | Medicare | $101.25 | ↓ -72% |
| Aetna | Neighborhood Network | $102.06 | ↓ -72% |
| Highmark BCBS of PA | Commercial - Social Mission Indemnity | $105.91 | ↓ -71% |
| Aetna | Home Depot Employer Group | $110.97 | ↓ -69% |
| Aetna | NBR ASO/FI | $113.40 | ↓ -69% |
| Cigna | New Business ASO | $113.40 | ↓ -69% |
| Highmark BCBS of PA | Managed Care | $128.01 | ↓ -65% |
| Highmark BCBS of PA | Commercial - Indemnity | $141.84 | ↓ -61% |
| Aetna | EBR FI | $153.90 | ↓ -58% |
| Aetna | EBR ASO | $162.00 | ↓ -55% |
| Cigna | Commercial | $162.00 | ↓ -55% |
| Highmark Wholecare (prev Gateway) | Medicare | $202.50 | ↓ -44% |
| Highmark BCBS of PA | UPMC Emergent | $256.02 | ↓ -29% |
| Coventry/First Health | Commercial | $283.50 | ↓ -22% |
| Private Health Care Systems | PPO | $324.00 | ↓ -11% |
| SelectCare | Commercial | $324.00 | ↓ -11% |
| Humana | Commercial | $344.25 | ↓ -5% |
| UPMC Health Plan | Commercial | $375.05 | ↑ +3% |
Visitor-reported prices
Comments
Diffusing capacity at other Pennsylvania hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UPMC Mercy | Pittsburgh | $873.00 | $36.25 – $1,309.50 |
| UPMC Passavant-McCandless | Pittsburgh | $599.40 | $36.59 – $849.15 |
| UPMC Presbyterian | Pittsburgh | $1,176.60 | $36.59 – $1,666.85 |
| UPMC Muncy | Muncy | $412.20 | $42.39 – $549.60 |
| UPMC Northwest | Seneca | $145.80 | $43.49 – $206.55 |
| UPMC Somerset | Somerset | $970.20 | $35.88 – $224.25 |
| UPMC Wellsboro | Wellsboro | $498.40 | $42.39 – $560.70 |
| UPMC Williamsport | Williamsport | $412.20 | $42.39 – $549.60 |