Consultation/report referred slides prepared elsewhere at Cumberland Medical Center, Inc.
421 S Main St, Crossville, TN · Fsregional · · NPI 1871596403
$104.64
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.
$327.00
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.
$15.88 with United Healthcare vs $294.30 with Galaxy Health Network — 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 | Tenncare | $15.88 | ↓ -85% |
| Wellpoint | Medicaid Tenncare | $33.38 | ↓ -68% |
| United Healthcare | Options PPO | $33.43 | ↓ -68% |
| United Healthcare | All Other Plans | $33.43 | ↓ -68% |
| United Healthcare | Heritage Select | $33.43 | ↓ -68% |
| Optum | VA CCN | $36.29 | ↓ -65% |
| Tricare | Humana Military | $36.29 | ↓ -65% |
| United Healthcare | Medicare Advantage | $37.38 | ↓ -64% |
| Humana | Medicare Advantage HMO | $37.38 | ↓ -64% |
| Humana | DSNP | $37.38 | ↓ -64% |
| Humana | Medicare Advantage PPO | $37.38 | ↓ -64% |
| United Healthcare | Community Plan DSNP | $37.38 | ↓ -64% |
| Farm Bureau | Medicare Advantage PPO | $37.74 | ↓ -64% |
| Farm Bureau | Medicare Advantage HMO | $37.74 | ↓ -64% |
| United Healthcare | DSNP | $38.10 | ↓ -64% |
| Devoted Health | HMO | $38.10 | ↓ -64% |
| Wellcare | Medicare Advantage | $38.10 | ↓ -64% |
| Devoted Health | PPO | $38.10 | ↓ -64% |
| HealthSpring | Medicare PPO | $38.10 | ↓ -64% |
| HealthSpring | Medicare HMO POS | $38.10 | ↓ -64% |
| Aetna | Medicare Advantage | $38.10 | ↓ -64% |
| Cigna | Medicare PPO | $38.10 | ↓ -64% |
| Cigna | Medicare HMO | $38.10 | ↓ -64% |
| Cigna | Medicare HMO-POS | $38.10 | ↓ -64% |
| Wellpoint | DSNP | $38.10 | ↓ -64% |
| Wellpoint | Medicare Advantage | $38.10 | ↓ -64% |
| Blue Cross of TN | BlueEssential DSNP | $38.10 | ↓ -64% |
| Blue Cross of TN | BlueEssential HMO | $38.10 | ↓ -64% |
| Blue Cross of TN | Med Adv Diamond | $38.10 | ↓ -64% |
| Blue Cross of TN | Med Adv PPO | $38.10 | ↓ -64% |
| Blue Cross of TN | Med Adv Ruby | $38.10 | ↓ -64% |
| Blue Cross of TN | Med Adv Sapphire | $38.10 | ↓ -64% |
| Aetna | Commercial | $122.01 | ↑ +17% |
| Cigna | IFP | $123.59 | ↑ +18% |
| Cigna | Local Plus | $124.13 | ↑ +19% |
| Cigna | HMO | $134.93 | ↑ +29% |
| Cigna | OAP | $134.93 | ↑ +29% |
| Cigna | POS | $134.93 | ↑ +29% |
| EHN | Network Lease | $147.15 | ↑ +41% |
| Correctional Medical Services | Correctional Facilities - Inmate Claims | $196.20 | ↑ +88% |
| Community Services Network | NonProfit Public Benefit | $212.55 | ↑ +103% |
| USA Managed Care Organization | PPO | $228.90 | ↑ +119% |
| NovaNet | Network Lease | $245.25 | ↑ +134% |
| Direct Care America | PPO | $261.60 | ↑ +150% |
| National Provider Network | PPO | $261.60 | ↑ +150% |
| MedSave USA | Commercial | $261.60 | ↑ +150% |
| Ambetter | Exchange | $264.79 | ↑ +153% |
| CCN Managed Care | PPO | $277.95 | ↑ +166% |
| Beech Street | PPO | $277.95 | ↑ +166% |
| Initial Group | PPO | $287.76 | ↑ +175% |
| Galaxy Health Network | PPO | $294.30 | ↑ +181% |
Visitor-reported prices
Comments
Consultation/report referred slides prepared elsewhere at other Tennessee hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| 62-1166050 BMH Carroll County | Huntingdon | $60.03 | $31.18 – $71.68 |
| 62-0123940 BMH Collierville | Collierville | $54.81 | $34.14 – $71.88 |
| Parkwest Medical Center | Knoxville | $206.01 | $13.23 – $294.30 |
| Fort Sanders Regional Medical Center | Knoxville | $107.91 | $13.23 – $294.30 |
| Methodist Medical Center of Oak Ridge | Oak Ridge | $107.91 | $13.23 – $294.30 |
| Ascension Saint Thomas Midtown | Nashville | not published | $11.44 – $199.51 |
| Ascension Saint Thomas DeKalb | Smithville | not published | $8.45 – $199.51 |
| Ascension Saint Thomas Highlands | Sparta | not published | $8.45 – $199.51 |