New Patient Office Visit (level 5) at Cumberland Medical Center, Inc.
421 S Main St, Crossville, TN · Fsregional · · NPI 1871596403
$110.40
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.
$345.00
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.
$72.45 with BCBS TN vs $310.50 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 | $72.45 | ↓ -34% |
| Aetna | Commercial | $138.00 | ↑ +25% |
| EHN | Network Lease | $155.25 | ↑ +41% |
| United Healthcare | Options PPO | $172.50 | ↑ +56% |
| United Healthcare | All Other Plans | $172.50 | ↑ +56% |
| United Healthcare | Heritage Select | $172.50 | ↑ +56% |
| Cigna | IFP | $175.26 | ↑ +59% |
| Cigna | Local Plus | $175.26 | ↑ +59% |
| Cigna | OAP | $206.31 | ↑ +87% |
| Cigna | HMO | $206.31 | ↑ +87% |
| Cigna | POS | $206.31 | ↑ +87% |
| Ambetter | Exchange | $207.00 | ↑ +88% |
| Correctional Medical Services | Correctional Facilities - Inmate Claims | $207.00 | ↑ +88% |
| BCBS TN | Commercial Network P | $213.90 | ↑ +94% |
| BCBS TN | Commercial Network S | $213.90 | ↑ +94% |
| Community Services Network | NonProfit Public Benefit | $224.25 | ↑ +103% |
| USA Managed Care Organization | PPO | $241.50 | ↑ +119% |
| NovaNet | Network Lease | $258.75 | ↑ +134% |
| National Provider Network | PPO | $276.00 | ↑ +150% |
| MedSave USA | Commercial | $276.00 | ↑ +150% |
| Direct Care America | PPO | $276.00 | ↑ +150% |
| Beech Street | PPO | $293.25 | ↑ +166% |
| CCN Managed Care | PPO | $293.25 | ↑ +166% |
| Initial Group | PPO | $303.60 | ↑ +175% |
| Galaxy Health Network | PPO | $310.50 | ↑ +181% |
Visitor-reported prices
Comments
New Patient Office Visit (level 5) at other Tennessee hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| CHI Memorial Hospital Hixson | Hixson | $287.72 | $94.76 – $680.40 |
| 62-1166050 BMH Carroll County | Huntingdon | $136.85 | $105.04 – $146.79 |
| CHI Memorial Hospital Chattanooga | Chattanooga | $411.16 | $94.76 – $680.40 |
| Johnson City Medical Center | JOHNSON CITY | $65.55 | $121.85 – $158.86 |
| Hancock County Hospital | SNEEDVILLE | $64.17 | $85.65 – $121.85 |
| Greeneville Community Hospital | GREENEVILLE | $65.55 | $63.54 – $121.85 |
| Bristol Regional Medical Center | BRISTOL | $65.55 | $105.91 – $121.85 |
| Franklin Woods Community Hospital | JOHNSON CITY | $65.55 | $143.16 – $158.86 |