healthcosts.net
Emb w/colposcopy 58110 at UPMC Wellsboro
32-36 Central Ave, Wellsboro, PA · UPMC · · NPI 1427501766
$706.40
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.
$973.00
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.
$21.60 with Aetna vs $188.96 with United Healthcare — 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 |
|---|---|---|---|
| Aetna | Medicare | $21.60 | ↓ -97% |
| Highmark BCBS of PA | Medicare | $24.00 | ↓ -97% |
| Highmark Wholecare (prev Gateway) | Medicare | $24.00 | ↓ -97% |
| UPMC Health Plan | Managed Medicare | $24.48 | ↓ -97% |
| Cigna | Medicare | $25.20 | ↓ -96% |
| PA Health & Wellness | Allwell Medicare Advantage DSNP/Medicare Advantage (Allwell by Wellcare) | $25.92 | ↓ -96% |
| AmeriHealth Caritas | Community HealthChoices (CHC)/Medicaid | $35.26 | ↓ -95% |
| Geisinger | Medicaid/CHIP | $35.26 | ↓ -95% |
| UPMC Health Plan | CHIP | $35.26 | ↓ -95% |
| UPMC Health Plan | Managed Medicaid | $35.26 | ↓ -95% |
| Highmark Wholecare (prev Gateway) | Medicaid | $35.74 | ↓ -95% |
| United Healthcare Community Plan for Families | PA Medicaid | $41.02 | ↓ -94% |
| Health Partners Plans (Jefferson Health Plan) | Medicaid/CHIP | $48.33 | ↓ -93% |
| Highmark BCBS of PA | Commercial - Social Mission Indemnity | $51.53 | ↓ -93% |
| UPMC Health Plan | Commercial | $52.32 | ↓ -93% |
| PA Health & Wellness | Community Health Choices/PA Medicaid HMO | $54.62 | ↓ -92% |
| Highmark BCBS of PA | Commercial | $60.68 | ↓ -91% |
| Wirerope Works | Commercial | $66.72 | ↓ -91% |
| Geisinger | Commercial | $80.40 | ↓ -89% |
| UPMC Work Partners | Workers Comp | $85.14 | ↓ -88% |
| Aetna | PEBTF Custom Network | $88.03 | ↓ -88% |
| Multiplan | Auto | $93.60 | ↓ -87% |
| Multiplan | PPO (Includes PHCS as a Payer) | $93.60 | ↓ -87% |
| United Healthcare | Commercial | $102.00 | ↓ -86% |
| Aetna | Commercial | $103.56 | ↓ -85% |
| America's Choice | PPO | $108.00 | ↓ -85% |
| InterGroup | PPO | $108.00 | ↓ -85% |
| Multiplan | Worker's Compensation | $114.00 | ↓ -84% |
| United Healthcare | Medicare | $188.96 | ↓ -73% |
Visitor-reported prices
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Emb w/colposcopy 58110 at other Pennsylvania hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UPMC Williamsport | Williamsport | $189.60 | $35.26 – $252.80 |