healthcosts.net
Annual Physical, Established Patient (age 40-64) at UPMC Wellsboro
32-36 Central Ave, Wellsboro, PA · UPMC · · NPI 1427501766
$170.40
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.
$284.00
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.
$25.60 with United Healthcare Community Plan for Families vs $269.80 with Multiplan — 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 |
|---|---|---|---|
| United Healthcare Community Plan for Families | PA Medicaid | $25.60 | ↓ -85% |
| Aetna | Medicare | $51.12 | ↓ -70% |
| Highmark BCBS of PA | Medicare | $56.80 | ↓ -67% |
| Highmark Wholecare (prev Gateway) | Medicare | $56.80 | ↓ -67% |
| UPMC Health Plan | Managed Medicare | $57.94 | ↓ -66% |
| Cigna | Medicare | $59.64 | ↓ -65% |
| PA Health & Wellness | Allwell Medicare Advantage DSNP/Medicare Advantage (Allwell by Wellcare) | $61.34 | ↓ -64% |
| Highmark BCBS of PA | Commercial - Social Mission Indemnity | $121.95 | ↓ -28% |
| UPMC Health Plan | Commercial | $123.82 | ↓ -27% |
| Highmark BCBS of PA | Commercial | $143.62 | ↓ -16% |
| PA Health & Wellness | Community Health Choices/PA Medicaid HMO | $156.20 | ↓ -8% |
| Wirerope Works | Commercial | $157.90 | ↓ -7% |
| Geisinger | Commercial | $190.28 | ↑ +12% |
| Aetna | PEBTF Custom Network | $208.34 | ↑ +22% |
| Multiplan | Auto | $221.52 | ↑ +30% |
| Multiplan | PPO (Includes PHCS as a Payer) | $221.52 | ↑ +30% |
| United Healthcare | Commercial | $241.40 | ↑ +42% |
| Aetna | Commercial | $245.09 | ↑ +44% |
| America's Choice | PPO | $255.60 | ↑ +50% |
| InterGroup | PPO | $255.60 | ↑ +50% |
| Multiplan | Worker's Compensation | $269.80 | ↑ +58% |
| UPMC Work Partners | Workers Comp | not published by hospital | — |
Visitor-reported prices
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Annual Physical, Established Patient (age 40-64) at other Pennsylvania hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UPMC Altoona | Altoona | $154.80 | $29.31 – $206.40 |
| UPMC Community Osteopathic | Harrisburg | $148.20 | $26.20 – $209.95 |
| UPMC Magee | Pittsburgh | $590.40 | $29.59 – $905.28 |
| UPMC Somerset | Somerset | $148.20 | $23.00 – $185.25 |
| UPMC Williamsport | Williamsport | $96.60 | $25.60 – $144.90 |