healthcosts.net
C-Section Delivery (full care) at UPMC Memorial
1701 Innovation Drive, York, PA · UPMC · · NPI 1063945707
$10,034.40
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.
?
What you pay up front if you don't use insurance.
$16,724.00
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.
?
The hospital's undiscounted list price — almost no one pays this.
$471.00 with United Healthcare vs $14,215.40 with Multiplan — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 | Commercial | $471.00 | ↓ -95% |
| Aetna | Medicare | $2,171.16 | ↓ -78% |
| United Healthcare Community Plan for Families | PA Medicaid | $2,339.66 | ↓ -77% |
| Highmark BCBS of PA | Medicare | $2,696.84 | ↓ -73% |
| Prime Net | Managed Medicare | $2,759.46 | ↓ -73% |
| UPMC Health Plan | CHIP | $3,000.00 | ↓ -70% |
| Capital Blue Cross | Medicare Advantage | $3,344.80 | ↓ -67% |
| Keystone Health Plan | Medicare Advantage | $3,344.80 | ↓ -67% |
| UPMC Work Partners | Workers Comp | $4,257.30 | ↓ -58% |
| Prime Net | ACO/Legacy Commercial | $6,856.84 | ↓ -32% |
| Aetna | ACO | $6,907.01 | ↓ -31% |
| Prime Net | GateKeeper/NonGateKeeper | $7,977.35 | ↓ -20% |
| Aetna | Commercial | $8,027.52 | ↓ -20% |
| Geisinger | Medicaid/CHIP | $9,198.20 | ↓ -8% |
| Capital Blue Cross | CHIP | $10,124.71 | ↑ +1% |
| Capital Blue Cross | Commercial | $10,124.71 | ↑ +1% |
| Keystone Health Plan | Commercial | $10,631.45 | ↑ +6% |
| Geisinger | Commercial | $10,950.88 | ↑ +9% |
| UPMC Health Plan | Commercial | $11,706.80 | ↑ +17% |
| Wellspan Population Health | Commercial | $11,706.80 | ↑ +17% |
| Prime Net | FH-Medical Rental | $12,459.38 | ↑ +24% |
| Cigna | Commercial | $13,044.72 | ↑ +30% |
| Multiplan | PPO (Includes PHCS and Humana as Payers) | $14,215.40 | ↑ +42% |
Visitor-reported prices
Comments
C-Section Delivery (full care) at other Pennsylvania hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UPMC Carlisle | Carlisle | $10,034.40 | $471.00 – $14,215.40 |
| UPMC Community Osteopathic | Harrisburg | $10,034.40 | $2,339.66 – $14,215.40 |
| UPMC Hanover | Hanover | $10,034.40 | $471.00 – $14,549.88 |
| UPMC Lititz | Lititz | $10,034.40 | $471.00 – $14,215.40 |
| UPMC Magee | Pittsburgh | $4,748.40 | $1,964.60 – $7,280.88 |
| UPMC Somerset | Somerset | $10,034.40 | $50.26 – $12,543.00 |