Cardiac MRI w/stress img at HENDERSONVILLE MEDICAL CENTER

355 NEW SHACKLE ISLAND ROAD, HENDERSONVILLE, TN · Tristarhealth · · NPI 1538114434

Source: hospital's published price file ↗ · Published Mar 1, 2026 · Ingested Sep 16, 2026

$2,306.46

Cash price

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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.

Full explanation →

What you pay up front if you don't use insurance.

$2,306.46

Gross charge

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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.

Full explanation →

The hospital's undiscounted list price — almost no one pays this.

$313.62 with United vs $2,121.94 with Beech Street — 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 →

Payer
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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
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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 AllPayerAppendix $313.62 ↓ -86%
United HeritageSelect $313.62 ↓ -86%
United CorePayer $313.62 ↓ -86%
Kentucky Labor Cabinet WORKERSCOMP $424.62 ↓ -82%
Pruitt Health (AllyAlign) MCR $438.23 ↓ -81%
Apex Health MCR $438.23 ↓ -81%
NHC Advantage, Inc. MCRHMO $438.23 ↓ -81%
Humana HumanaChoiceCare $541.12 ↓ -77%
Humana BroadNetwork $541.12 ↓ -77%
Humana NarrowExchangeNetwork $541.12 ↓ -77%
Humana HumanaChoice $541.12 ↓ -77%
Humana TRICARE $576.62 ↓ -75%
United OptionsPPO $581.23 ↓ -75%
BCBS TENNCARE $712.69 ↓ -69%
BCBS COVERKIDS $771.70 ↓ -67%
Cigna PPO $774.97 ↓ -66%
United GlobalBenefitPlan $1,037.91 ↓ -55%
Aetna COMM $1,089.86 ↓ -53%
Aetna NewBusiness $1,089.86 ↓ -53%
Aetna NAP $1,153.23 ↓ -50%
BGFH SingleSource DIRECTNETWORK $1,153.23 ↓ -50%
BCBS BlueCare $1,207.48 ↓ -48%
Employers Health Network COMM $1,614.52 ↓ -30%
Multiplan COMM $1,891.30 ↓ -18%
BGFH SingleSource LEASEDNETWORK $1,960.49 ↓ -15%
Beech Street COMM $2,121.94 ↓ -8%

Visitor-reported prices

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Cardiac MRI w/stress img at other Tennessee hospitals

Hospital City Cash price Negotiated range
CHI Memorial Hospital Hixson Hixson $181.45 $122.60 – $2,459.00
CHI Memorial Hospital Chattanooga Chattanooga $259.30 $128.73 – $2,459.00
Greeneville Community Hospital GREENEVILLE $565.65 $121.83 – $1,111.55
Bristol Regional Medical Center BRISTOL $565.65 $203.05 – $1,244.06
Holston Valley Medical Center KINGSPORT $565.65 $203.05 – $1,244.06
62-0123940 BMH Collierville Collierville $782.67 $426.55 – $1,004.16
Hawkins County Memorial Hospital ROGERSVILLE $565.65 $169.21 – $1,080.73
SOUTHERN HILLS MEDICAL CENTER ANTIOCH $2,457.62 $313.62 – $1,089.86

All Tennessee hospitals for this procedure →