ER Visit (level 1, minor) at Cumberland Medical Center, Inc.
421 S Main St, Crossville, TN · Fsregional · · NPI 1871596403
$104.00
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.
$325.00
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.
$81.94 with Optum vs $950.00 with Cigna — 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 |
|---|---|---|---|
| Optum | VA CCN | $81.94 | ↓ -21% |
| Tricare | Humana Military | $81.94 | ↓ -21% |
| Humana | Medicare Advantage HMO | $84.40 | ↓ -19% |
| United Healthcare | Community Plan DSNP | $84.40 | ↓ -19% |
| Humana | Medicare Advantage PPO | $84.40 | ↓ -19% |
| United Healthcare | Medicare Advantage | $84.40 | ↓ -19% |
| Humana | DSNP | $84.40 | ↓ -19% |
| Farm Bureau | Medicare Advantage PPO | $85.22 | ↓ -18% |
| Farm Bureau | Medicare Advantage HMO | $85.22 | ↓ -18% |
| Wellpoint | Medicare Advantage | $86.04 | ↓ -17% |
| Devoted Health | HMO | $86.04 | ↓ -17% |
| Wellcare | Medicare Advantage | $86.04 | ↓ -17% |
| United Healthcare | DSNP | $86.04 | ↓ -17% |
| Devoted Health | PPO | $86.04 | ↓ -17% |
| Blue Cross of TN | Med Adv Diamond | $86.04 | ↓ -17% |
| Blue Cross of TN | BlueEssential HMO | $86.04 | ↓ -17% |
| Blue Cross of TN | BlueEssential DSNP | $86.04 | ↓ -17% |
| Cigna | Medicare HMO-POS | $86.04 | ↓ -17% |
| Wellpoint | DSNP | $86.04 | ↓ -17% |
| HealthSpring | Medicare PPO | $86.04 | ↓ -17% |
| HealthSpring | Medicare HMO POS | $86.04 | ↓ -17% |
| Aetna | Medicare Advantage | $86.04 | ↓ -17% |
| Blue Cross of TN | Med Adv Sapphire | $86.04 | ↓ -17% |
| Cigna | Medicare PPO | $86.04 | ↓ -17% |
| Cigna | Medicare HMO | $86.04 | ↓ -17% |
| Blue Cross of TN | Med Adv Ruby | $86.04 | ↓ -17% |
| Blue Cross of TN | Med Adv PPO | $86.04 | ↓ -17% |
| BCBS TN | Blue Care | $122.00 | ↑ +17% |
| United Healthcare | Tenncare | $140.00 | ↑ +35% |
| EHN | Network Lease | $146.25 | ↑ +41% |
| Correctional Medical Services | Correctional Facilities - Inmate Claims | $195.00 | ↑ +88% |
| Community Services Network | NonProfit Public Benefit | $211.25 | ↑ +103% |
| USA Managed Care Organization | PPO | $227.50 | ↑ +119% |
| NovaNet | Network Lease | $243.75 | ↑ +134% |
| MedSave USA | Commercial | $260.00 | ↑ +150% |
| National Provider Network | PPO | $260.00 | ↑ +150% |
| Direct Care America | PPO | $260.00 | ↑ +150% |
| Beech Street | PPO | $276.25 | ↑ +166% |
| CCN Managed Care | PPO | $276.25 | ↑ +166% |
| Initial Group | PPO | $286.00 | ↑ +175% |
| Wellpoint | Medicaid Tenncare | $288.75 | ↑ +178% |
| Galaxy Health Network | PPO | $292.50 | ↑ +181% |
| Cigna | IFP | $297.00 | ↑ +186% |
| BCBS TN | Commercial Network P | $313.00 | ↑ +201% |
| BCBS TN | Commercial Network S | $313.00 | ↑ +201% |
| Aetna | Commercial | $616.35 | ↑ +493% |
| United Healthcare | All Other Plans | $636.00 | ↑ +512% |
| United Healthcare | Heritage Select | $749.00 | ↑ +620% |
| Cigna | Local Plus | $808.00 | ↑ +677% |
| United Healthcare | Options PPO | $914.00 | ↑ +779% |
| Ambetter | Exchange | $919.00 | ↑ +784% |
| Cigna | HMO | $950.00 | ↑ +813% |
| Cigna | OAP | $950.00 | ↑ +813% |
| Cigna | POS | $950.00 | ↑ +813% |
Visitor-reported prices
Comments
ER Visit (level 1, minor) at other Tennessee hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Ascension Saint Thomas Midtown | Nashville | $207.68 | $19.26 – $1,386.00 |
| CHI Memorial Hospital Hixson | Hixson | $166.06 | $50.35 – $1,222.00 |
| 62-1166050 BMH Carroll County | Huntingdon | $116.38 | $16.93 – $160.80 |
| CHI Memorial Hospital Chattanooga | Chattanooga | $237.31 | $50.35 – $1,222.00 |
| Johnson City Medical Center | JOHNSON CITY | $68.40 | $78.69 – $171.54 |
| Ascension Saint Thomas DeKalb | Smithville | $207.69 | $19.26 – $1,224.00 |
| Ascension Saint Thomas Highlands | Sparta | $207.69 | $19.26 – $1,224.00 |
| Ascension Saint Thomas River Park | McMinnville | $207.68 | $19.26 – $1,224.00 |