healthcosts.net
ER Visit (level 4) at UPMC St. Margaret
815 Freeport Road, Pittsburgh, PA · UPMC · · NPI 1790795359
$1,138.20
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.
$1,897.00
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.
$104.86 with UPMC Health Plan vs $1,612.45 with Humana — 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 | Managed Medicaid | $104.86 | ↓ -91% |
| United Healthcare Community Plan for Families | PA CHIP/PA Medicaid | $104.86 | ↓ -91% |
| Highmark Wholecare (prev Gateway) | Medicaid | $141.37 | ↓ -88% |
| Highmark BCBS of PA | Complete Blue Medicare Advantage/Freedom Blue Medicare Advantage/Security Blue Medicare Advantage | $143.33 | ↓ -87% |
| AmeriHealth Caritas | Community HealthChoices (CHC)/Medicaid | $148.82 | ↓ -87% |
| PA Health & Wellness | PA Medicaid HMO | $162.46 | ↓ -86% |
| UPMC Work Partners | Workers Comp | $173.95 | ↓ -85% |
| UPMC Health Plan | Commercial | $320.24 | ↓ -72% |
| UPMC Health Plan | Managed Medicare | $350.51 | ↓ -69% |
| Highmark BCBS of PA | Managed Care - Social Mission | $412.72 | ↓ -64% |
| Highmark BCBS of PA | Commercial - Social Mission Indemnity | $414.84 | ↓ -64% |
| Aetna of PA | Medicare | $426.27 | ↓ -63% |
| Highmark Wholecare (prev Gateway) | Medicare | $438.41 | ↓ -61% |
| PA Health & Wellness | Allwell Medicare Advantage DSNP/Medicare Advantage (Allwell by Wellcare) | $438.45 | ↓ -61% |
| Aetna | Medicare | $446.57 | ↓ -61% |
| Aetna | Neighborhood Network | $478.04 | ↓ -58% |
| Aetna | Home Depot Employer Group | $519.78 | ↓ -54% |
| Aetna | NBR ASO/FI | $531.16 | ↓ -53% |
| Cigna | New Business ASO | $531.16 | ↓ -53% |
| Highmark BCBS of PA | Managed Care | $552.72 | ↓ -51% |
| Highmark BCBS of PA | Commercial - Indemnity | $555.58 | ↓ -51% |
| Aetna | EBR FI | $720.86 | ↓ -37% |
| Aetna | EBR ASO | $758.80 | ↓ -33% |
| Cigna | Commercial | $758.80 | ↓ -33% |
| Highmark BCBS of PA | UPMC Emergent | $1,105.43 | ↓ -3% |
| Coventry/First Health | Commercial | $1,327.90 | ↑ +17% |
| Private Health Care Systems | PPO | $1,517.60 | ↑ +33% |
| SelectCare | Commercial | $1,517.60 | ↑ +33% |
| Humana | Commercial | $1,612.45 | ↑ +42% |
| US Family Health Plan | Tricare Prime | not published by hospital | — |
| Tricare | East Region | not published by hospital | — |
Visitor-reported prices
Comments
ER Visit (level 4) at other Pennsylvania hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UPMC Passavant-McCandless | Pittsburgh | $1,146.00 | $104.86 – $1,623.50 |
| UPMC Magee | Pittsburgh | $1,223.40 | $104.86 – $1,875.88 |
| UPMC Mercy | Pittsburgh | $1,248.60 | $104.86 – $1,872.90 |
| UPMC Presbyterian | Pittsburgh | $1,954.20 | $104.86 – $2,768.45 |
| UPMC Cole | Coudersport | $357.00 | $56.38 – $432.27 |
| UPMC East | Monroeville | $1,120.20 | $104.86 – $1,493.60 |
| UPMC Hamot | Erie | $1,581.00 | $104.86 – $1,844.50 |
| UPMC Altoona | Altoona | $1,012.20 | $123.00 – $1,349.60 |