healthcosts.net
Nasopharyngoscopy w/endoscope at UPMC Wellsboro
32-36 Central Ave, Wellsboro, PA · UPMC · · NPI 1427501766
$441.60
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.
$609.00
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.
$99.36 with Aetna vs $524.40 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 |
|---|---|---|---|
| Aetna | Medicare | $99.36 | ↓ -78% |
| Highmark BCBS of PA | Medicare | $110.40 | ↓ -75% |
| Highmark Wholecare (prev Gateway) | Medicare | $110.40 | ↓ -75% |
| UPMC Health Plan | Managed Medicare | $112.61 | ↓ -74% |
| Cigna | Medicare | $115.92 | ↓ -74% |
| United Healthcare | Medicare | $118.13 | ↓ -73% |
| PA Health & Wellness | Allwell Medicare Advantage DSNP/Medicare Advantage (Allwell by Wellcare) | $119.23 | ↓ -73% |
| UPMC Work Partners | Workers Comp | $126.64 | ↓ -71% |
| United Healthcare Community Plan for Families | PA Medicaid | $139.57 | ↓ -68% |
| Highmark BCBS of PA | Commercial - Social Mission Indemnity | $237.03 | ↓ -46% |
| UPMC Health Plan | Commercial | $240.67 | ↓ -46% |
| Highmark BCBS of PA | Commercial | $279.15 | ↓ -37% |
| PA Health & Wellness | Community Health Choices/PA Medicaid HMO | $303.60 | ↓ -31% |
| Wirerope Works | Commercial | $306.91 | ↓ -31% |
| Geisinger | Commercial | $369.84 | ↓ -16% |
| Aetna | PEBTF Custom Network | $404.95 | ↓ -8% |
| Multiplan | Auto | $430.56 | ↓ -3% |
| Multiplan | PPO (Includes PHCS as a Payer) | $430.56 | ↓ -3% |
| United Healthcare | Commercial | $469.20 | ↑ +6% |
| Aetna | Commercial | $476.38 | ↑ +8% |
| America's Choice | PPO | $496.80 | ↑ +13% |
| InterGroup | PPO | $496.80 | ↑ +13% |
| Multiplan | Worker's Compensation | $524.40 | ↑ +19% |
| US Family Health Plan | Tricare Prime | not published by hospital | — |
Visitor-reported prices
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Nasopharyngoscopy w/endoscope at other Pennsylvania hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UPMC Muncy | Muncy | $365.40 | $91.35 – $487.20 |
| UPMC Passavant-McCandless | Pittsburgh | $1,000.80 | $133.62 – $1,417.80 |
| UPMC Presbyterian | Pittsburgh | $1,290.60 | $130.85 – $1,828.35 |
| UPMC Somerset | Somerset | $605.40 | $125.40 – $756.75 |
| UPMC St. Margaret | Pittsburgh | $925.80 | $133.62 – $1,311.55 |
| UPMC Williamsport | Williamsport | $365.40 | $133.62 – $487.20 |