Sinus CT scan (with contrast) at Cumberland Medical Center, Inc.
421 S Main St, Crossville, TN · Fsregional · · NPI 1871596403
$369.60
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.
$1,155.00
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.
$126.06 with BCBS TN vs $1,146.00 with United Healthcare — 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 | $126.06 | ↓ -66% |
| United Healthcare | Tenncare | $148.28 | ↓ -60% |
| Tricare | Humana Military | $170.44 | ↓ -54% |
| Optum | VA CCN | $170.44 | ↓ -54% |
| Humana | Medicare Advantage HMO | $175.55 | ↓ -53% |
| United Healthcare | Community Plan DSNP | $175.55 | ↓ -53% |
| Humana | DSNP | $175.55 | ↓ -53% |
| Humana | Medicare Advantage PPO | $175.55 | ↓ -53% |
| United Healthcare | Medicare Advantage | $175.55 | ↓ -53% |
| Farm Bureau | Medicare Advantage HMO | $177.26 | ↓ -52% |
| Farm Bureau | Medicare Advantage PPO | $177.26 | ↓ -52% |
| Wellpoint | Medicare Advantage | $178.96 | ↓ -52% |
| Devoted Health | HMO | $178.96 | ↓ -52% |
| Wellcare | Medicare Advantage | $178.96 | ↓ -52% |
| United Healthcare | DSNP | $178.96 | ↓ -52% |
| Devoted Health | PPO | $178.96 | ↓ -52% |
| HealthSpring | Medicare PPO | $178.96 | ↓ -52% |
| HealthSpring | Medicare HMO POS | $178.96 | ↓ -52% |
| Aetna | Medicare Advantage | $178.96 | ↓ -52% |
| Cigna | Medicare PPO | $178.96 | ↓ -52% |
| Cigna | Medicare HMO | $178.96 | ↓ -52% |
| Cigna | Medicare HMO-POS | $178.96 | ↓ -52% |
| Wellpoint | DSNP | $178.96 | ↓ -52% |
| Blue Cross of TN | Med Adv Ruby | $178.96 | ↓ -52% |
| Blue Cross of TN | Med Adv Sapphire | $178.96 | ↓ -52% |
| Blue Cross of TN | BlueEssential DSNP | $178.96 | ↓ -52% |
| Blue Cross of TN | BlueEssential HMO | $178.96 | ↓ -52% |
| Blue Cross of TN | Med Adv Diamond | $178.96 | ↓ -52% |
| Blue Cross of TN | Med Adv PPO | $178.96 | ↓ -52% |
| Wellpoint | Medicaid Tenncare | $181.97 | ↓ -51% |
| Cigna | Local Plus | $279.00 | ↓ -25% |
| Cigna | POS | $279.00 | ↓ -25% |
| Cigna | OAP | $279.00 | ↓ -25% |
| Cigna | HMO | $279.00 | ↓ -25% |
| Cigna | IFP | $287.00 | ↓ -22% |
| Aetna | Commercial | $415.80 | ↑ +13% |
| Ambetter | Exchange | $494.37 | ↑ +34% |
| EHN | Network Lease | $519.75 | ↑ +41% |
| BCBS TN | Commercial Network P | $548.00 | ↑ +48% |
| BCBS TN | Commercial Network S | $548.00 | ↑ +48% |
| Correctional Medical Services | Correctional Facilities - Inmate Claims | $693.00 | ↑ +88% |
| Community Services Network | NonProfit Public Benefit | $750.75 | ↑ +103% |
| USA Managed Care Organization | PPO | $808.50 | ↑ +119% |
| United Healthcare | All Other Plans | $833.00 | ↑ +125% |
| NovaNet | Network Lease | $866.25 | ↑ +134% |
| MedSave USA | Commercial | $924.00 | ↑ +150% |
| Direct Care America | PPO | $924.00 | ↑ +150% |
| National Provider Network | PPO | $924.00 | ↑ +150% |
| United Healthcare | Heritage Select | $980.00 | ↑ +165% |
| Beech Street | PPO | $981.75 | ↑ +166% |
| CCN Managed Care | PPO | $981.75 | ↑ +166% |
| Initial Group | PPO | $1,016.40 | ↑ +175% |
| Galaxy Health Network | PPO | $1,039.50 | ↑ +181% |
| United Healthcare | Options PPO | $1,146.00 | ↑ +210% |
Visitor-reported prices
Comments
Sinus CT scan (with contrast) at other Tennessee hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Ascension Saint Thomas Midtown | Nashville | $622.91 | $153.44 – $562.72 |
| CHI Memorial Hospital Hixson | Hixson | $880.90 | $157.26 – $2,083.20 |
| 62-1166050 BMH Carroll County | Huntingdon | $808.68 | $141.42 – $325.10 |
| CHI Memorial Hospital Chattanooga | Chattanooga | $1,258.85 | $157.26 – $2,083.20 |
| Johnson City Medical Center | JOHNSON CITY | $559.65 | $163.67 – $406.92 |
| Ascension Saint Thomas DeKalb | Smithville | $622.91 | $148.75 – $551.54 |
| Ascension Saint Thomas Highlands | Sparta | $622.91 | $148.75 – $551.54 |
| Ascension Saint Thomas River Park | McMinnville | $622.91 | $148.75 – $551.54 |