Observation direct referral from physician office for admission at Covenant Children's Hospital
4015 22nd Pl, Lubbock, TX · Providence · · NPI 1437171568
$128.52
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.
$306.00
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.
$433.82 with Bcbs vs $662.82 with Bcbs — 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 |
|---|---|---|---|
| Bcbs | Blue Essentials Hmo | $433.82 | ↑ +238% |
| Bcbs | Par Traditional | $505.06 | ↑ +293% |
| Bcbs | Ers Blue Essentials For Healthselect Members Hmo | $624.65 | ↑ +386% |
| Bcbs | Ppo | $662.82 | ↑ +416% |
Visitor-reported prices
Comments
Observation direct referral from physician office for admission at other Texas hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Covenant Medical Center | Lubbock | $128.52 | $239.10 – $631.15 |
| Covenant Specialty Hospital | Lubbock | $128.52 | not published |
| Adventhealth Rollins Brook | Lampasas | $162.54 | $489.80 – $489.80 |
| St. Luke's Health - Patients Medical Center | Pasadena | $189.35 | $35.98 – $405.75 |
| Baylor St Luke's Medical Center | Houston | $545.65 | $90.90 – $1,559.00 |
| St. Joseph Health Madison Hospital | Madisonville | $272.65 | $198.49 – $1,402.20 |
| St. Luke's Health Memorial Lufkin | Lufkin | $126.00 | $114.45 – $686.70 |
| St. Luke's Health - Springwoods Village Hospital | Spring | $545.65 | $90.00 – $1,559.00 |