Observation per hour at CHI Memorial Hospital Chattanooga
2525 de Sales Avenue, Chattanooga, TN · CommonSpirit Health · · NPI 1255428736
$70.22
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.
$166.00
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.
$16.76 with BCBS - TN vs $3,642.00 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 |
|---|---|---|---|
| BCBS - TN | Medicaid|BlueCare | $16.76 | ↓ -76% |
| Amerigroup | Medicaid|All Plans | $30.00 | ↓ -57% |
| Peach State | Medicaid|All Plans | $34.86 | ↓ -50% |
| Multiplan | Commercial|All Plans | $99.60 | ↑ +42% |
| Aetna | Commercial|Non-Gatekeeper | $116.20 | ↑ +65% |
| Aetna | Commercial|Gatekeeper | $116.20 | ↑ +65% |
| BCBS - TN | Commercial|Network S | $136.00 | ↑ +94% |
| Health One Alliance | Commercial|All Plans | $164.00 | ↑ +134% |
| BCBS - TN | Commercial|Network P | $177.00 | ↑ +152% |
| United | Medicaid|TennCare | $830.00 | ↑ +1082% |
| United | Commercial|Options | $2,564.00 | ↑ +3551% |
| United | Commercial|Non-Options | $2,564.00 | ↑ +3551% |
| Alliant Health | Commercial|All Plans | $2,678.00 | ↑ +3714% |
| Cigna | Commercial|LocalPlus | $2,764.00 | ↑ +3836% |
| Employers Health Network | Commercial|All Plans | $3,009.00 | ↑ +4185% |
| Cigna | Commercial|Open Access | $3,211.00 | ↑ +4473% |
| Humana | Commercial|All Plans | $3,642.00 | ↑ +5087% |
Visitor-reported prices
Comments
Observation per hour at other Tennessee hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Ascension Saint Thomas Midtown | Nashville | $365.67 | $114.00 – $114.00 |
| CHI Memorial Hospital Hixson | Hixson | $49.14 | $16.76 – $3,642.00 |
| Ascension Saint Thomas Highlands | Sparta | $365.67 | $114.00 – $114.00 |
| Ascension Saint Thomas River Park | McMinnville | $365.67 | $114.00 – $114.00 |
| Ascension Saint Thomas Rutherford | Murfreesboro | $365.67 | $114.00 – $114.00 |