ER Visit (level 5, high severity) at Cumberland Medical Center, Inc.
421 S Main St, Crossville, TN · Fsregional · · NPI 1871596403
$366.08
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.
$1,144.00
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.
$500.00 with United Healthcare vs $3,327.00 with United Healthcare — 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 | Tenncare | $500.00 | ↑ +37% |
| EHN | Network Lease | $514.80 | ↑ +41% |
| Optum | VA CCN | $578.67 | ↑ +58% |
| Tricare | Humana Military | $578.67 | ↑ +58% |
| United Healthcare | Medicare Advantage | $596.03 | ↑ +63% |
| United Healthcare | Community Plan DSNP | $596.03 | ↑ +63% |
| Humana | Medicare Advantage PPO | $596.03 | ↑ +63% |
| Humana | Medicare Advantage HMO | $596.03 | ↑ +63% |
| Humana | DSNP | $596.03 | ↑ +63% |
| Farm Bureau | Medicare Advantage PPO | $601.82 | ↑ +64% |
| Farm Bureau | Medicare Advantage HMO | $601.82 | ↑ +64% |
| Cigna | Medicare PPO | $607.60 | ↑ +66% |
| Cigna | Medicare HMO | $607.60 | ↑ +66% |
| Blue Cross of TN | Med Adv Ruby | $607.60 | ↑ +66% |
| Blue Cross of TN | Med Adv PPO | $607.60 | ↑ +66% |
| Blue Cross of TN | Med Adv Diamond | $607.60 | ↑ +66% |
| Blue Cross of TN | BlueEssential HMO | $607.60 | ↑ +66% |
| Cigna | Medicare HMO-POS | $607.60 | ↑ +66% |
| Blue Cross of TN | BlueEssential DSNP | $607.60 | ↑ +66% |
| Devoted Health | HMO | $607.60 | ↑ +66% |
| Wellcare | Medicare Advantage | $607.60 | ↑ +66% |
| United Healthcare | DSNP | $607.60 | ↑ +66% |
| Devoted Health | PPO | $607.60 | ↑ +66% |
| HealthSpring | Medicare PPO | $607.60 | ↑ +66% |
| HealthSpring | Medicare HMO POS | $607.60 | ↑ +66% |
| Wellpoint | Medicare Advantage | $607.60 | ↑ +66% |
| Aetna | Medicare Advantage | $607.60 | ↑ +66% |
| Wellpoint | DSNP | $607.60 | ↑ +66% |
| Blue Cross of TN | Med Adv Sapphire | $607.60 | ↑ +66% |
| Wellpoint | Medicaid Tenncare | $682.50 | ↑ +86% |
| Correctional Medical Services | Correctional Facilities - Inmate Claims | $686.40 | ↑ +88% |
| Community Services Network | NonProfit Public Benefit | $743.60 | ↑ +103% |
| BCBS TN | Blue Care | $749.00 | ↑ +105% |
| USA Managed Care Organization | PPO | $800.80 | ↑ +119% |
| NovaNet | Network Lease | $858.00 | ↑ +134% |
| Cigna | IFP | $882.00 | ↑ +141% |
| National Provider Network | PPO | $915.20 | ↑ +150% |
| MedSave USA | Commercial | $915.20 | ↑ +150% |
| Direct Care America | PPO | $915.20 | ↑ +150% |
| CCN Managed Care | PPO | $972.40 | ↑ +166% |
| Beech Street | PPO | $972.40 | ↑ +166% |
| Initial Group | PPO | $1,006.72 | ↑ +175% |
| Galaxy Health Network | PPO | $1,029.60 | ↑ +181% |
| Ambetter | Exchange | $1,294.00 | ↑ +253% |
| Cigna | Local Plus | $1,414.00 | ↑ +286% |
| BCBS TN | Commercial Network S | $1,467.00 | ↑ +301% |
| BCBS TN | Commercial Network P | $1,467.00 | ↑ +301% |
| Cigna | HMO | $1,664.00 | ↑ +355% |
| Cigna | OAP | $1,664.00 | ↑ +355% |
| Cigna | POS | $1,664.00 | ↑ +355% |
| Aetna | Commercial | $2,310.00 | ↑ +531% |
| United Healthcare | All Other Plans | $2,320.00 | ↑ +534% |
| United Healthcare | Heritage Select | $2,728.00 | ↑ +645% |
| United Healthcare | Options PPO | $3,327.00 | ↑ +809% |
Visitor-reported prices
Comments
ER Visit (level 5, high severity) at other Tennessee hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Ascension Saint Thomas Midtown | Nashville | $960.00 | $158.13 – $4,025.00 |
| CHI Memorial Hospital Hixson | Hixson | $789.73 | $322.19 – $1,734.20 |
| 62-1166050 BMH Carroll County | Huntingdon | $1,081.69 | $137.97 – $1,119.66 |
| CHI Memorial Hospital Chattanooga | Chattanooga | $1,128.57 | $322.19 – $1,734.20 |
| Johnson City Medical Center | JOHNSON CITY | $456.15 | $555.72 – $1,211.46 |
| Ascension Saint Thomas DeKalb | Smithville | $960.02 | $158.13 – $4,025.00 |
| Ascension Saint Thomas Highlands | Sparta | $960.02 | $158.13 – $4,025.00 |
| Ascension Saint Thomas River Park | McMinnville | $960.02 | $158.13 – $4,025.00 |