Established Patient Office Visit (level 3) at Cumberland Medical Center, Inc.
421 S Main St, Crossville, TN · Fsregional · · NPI 1871596403
$52.80
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.
$165.00
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.
$34.65 with BCBS TN vs $148.50 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 |
|---|---|---|---|
| BCBS TN | Blue Care | $34.65 | ↓ -34% |
| Aetna | Commercial | $66.00 | ↑ +25% |
| EHN | Network Lease | $74.25 | ↑ +41% |
| United Healthcare | Options PPO | $82.50 | ↑ +56% |
| United Healthcare | All Other Plans | $82.50 | ↑ +56% |
| United Healthcare | Heritage Select | $82.50 | ↑ +56% |
| Cigna | IFP | $83.82 | ↑ +59% |
| Cigna | Local Plus | $83.82 | ↑ +59% |
| Cigna | OAP | $98.67 | ↑ +87% |
| Cigna | HMO | $98.67 | ↑ +87% |
| Cigna | POS | $98.67 | ↑ +87% |
| Ambetter | Exchange | $99.00 | ↑ +88% |
| Correctional Medical Services | Correctional Facilities - Inmate Claims | $99.00 | ↑ +88% |
| BCBS TN | Commercial Network P | $102.30 | ↑ +94% |
| BCBS TN | Commercial Network S | $102.30 | ↑ +94% |
| Community Services Network | NonProfit Public Benefit | $107.25 | ↑ +103% |
| USA Managed Care Organization | PPO | $115.50 | ↑ +119% |
| NovaNet | Network Lease | $123.75 | ↑ +134% |
| National Provider Network | PPO | $132.00 | ↑ +150% |
| MedSave USA | Commercial | $132.00 | ↑ +150% |
| Direct Care America | PPO | $132.00 | ↑ +150% |
| Beech Street | PPO | $140.25 | ↑ +166% |
| CCN Managed Care | PPO | $140.25 | ↑ +166% |
| Initial Group | PPO | $145.20 | ↑ +175% |
| Galaxy Health Network | PPO | $148.50 | ↑ +181% |
Visitor-reported prices
Comments
Established Patient Office Visit (level 3) at other Tennessee hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| CHI Memorial Hospital Hixson | Hixson | $71.04 | $48.00 – $168.00 |
| 62-1166050 BMH Carroll County | Huntingdon | $112.01 | $37.88 – $53.73 |
| CHI Memorial Hospital Chattanooga | Chattanooga | $101.52 | $50.40 – $168.00 |
| Johnson City Medical Center | JOHNSON CITY | $36.30 | $43.80 – $64.91 |
| Hancock County Hospital | SNEEDVILLE | $35.42 | $36.06 – $43.80 |
| Greeneville Community Hospital | GREENEVILLE | $36.30 | $25.96 – $43.80 |
| Bristol Regional Medical Center | BRISTOL | $36.30 | $43.27 – $43.80 |
| Franklin Woods Community Hospital | JOHNSON CITY | $36.30 | $43.80 – $64.91 |