General health panel at Covenant Medical Center
3615 19th St, Lubbock, TX · Providence · · NPI 1972517365
$1,695.54
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.
$4,037.00
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.
$56.41 with Unitedhealthcare vs $173.42 with Bcbs — 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 |
|---|---|---|---|
| Unitedhealthcare | All Commercial Plans | $56.41 | ↓ -97% |
| Cigna | New Buisness Other Commercial Plan | $90.21 | ↓ -95% |
| Bcbs | Par Traditional | $154.00 | ↓ -91% |
| Aetna | Preferred Other Commercial Plan | $164.24 | ↓ -90% |
| Bcbs | Ppo | $168.83 | ↓ -90% |
| Bcbs | Blue Essentials Hmo | $173.42 | ↓ -90% |
| Bcbs | Ers Blue Essentials For Healthselect Members Hmo | $173.42 | ↓ -90% |
Visitor-reported prices
Comments
General health panel at other Texas hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Covenant Children's Hospital | Lubbock | $1,695.54 | $99.05 – $154.00 |
| Covenant Specialty Hospital | Lubbock | $1,695.54 | not published |
| Adventhealth Rollins Brook | Lampasas | $531.10 | $135.98 – $135.98 |
| HCA HOUSTON KINGWOOD | HUMBLE | $1,952.91 | $45.36 – $482.25 |
| St. Joseph Health Madison Hospital | Madisonville | $296.45 | $26.84 – $1,524.60 |
| St. Joseph Health College Station Hospital | College Station | $296.45 | $26.84 – $1,439.90 |
| St. Joseph Health Grimes Hospital | Navasota | $296.45 | $26.84 – $1,880.34 |
| St. Joseph Health Burleson Hospital | Caldwell | $296.45 | $26.84 – $1,524.60 |