Albumin, human 5 % intravenous solution at St. Luke's Health Memorial Lufkin

1201 W Frank Ave, Lufkin, TX · CommonSpirit Health · · NPI 1396746129

Source: hospital's published price file ↗ · Published Feb 28, 2026 · Ingested Sep 10, 2026

$5.85

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.

$38.95

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.

$9.56 with United vs $37.80 with Cigna — 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 Commercial|All Other Plans $9.56 ↑ +63%
United Commercial|Exchange $10.62 ↑ +82%
United Commercial|PPO $14.81 ↑ +153%
Angelina County Commercial|All Plans $15.71 ↑ +169%
Humana Commercial|All Plans $19.87 ↑ +240%
Aetna Commercial|All Plans $24.54 ↑ +319%
Entrust Commercial|All Plans $25.53 ↑ +336%
PHCS Commercial|All Plans $26.49 ↑ +353%
BCBS-TX Commercial|Blue Premier $26.62 ↑ +355%
Multiplan Commercial|All Plans $27.27 ↑ +366%
BCBS-TX Commercial|Blue Advantage HMO $27.49 ↑ +370%
BCBS-TX Commercial|HMO $27.99 ↑ +378%
Brookshire Brothers Commercial|All Plans $29.46 ↑ +404%
BCBS-TX Commercial|PPO $32.22 ↑ +451%
Galaxy Commercial|All Plans $35.06 ↑ +499%
Cigna Commercial|All Plans $37.80 ↑ +546%

Visitor-reported prices

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Albumin, human 5 % intravenous solution at other Texas hospitals

Hospital City Cash price Negotiated range
HCA HOUSTON MEDICAL CENTER Houston $1,427.67 $10.49 – $102.17
HCA HOUSTON KINGWOOD HUMBLE $1,384.38 $10.49 – $102.17
HCA HOUSTON NORTHWEST SPRING $1,298.67 $10.49 – $102.17
Baylor St Luke's Medical Center Houston $589.72 $10.62 – $193.56
St. Luke's Health - Springwoods Village Hospital Spring $589.72 $10.62 – $193.56
St. Luke's Health - Sugar Land Hospital Sugar Land $589.72 $10.62 – $193.56
St. Luke's Health - Lakeside Hospital The Woodlands $589.72 $10.62 – $193.56
St. Luke's Health - The Vintage Hospital Houston $589.72 $10.62 – $193.56

All Texas hospitals for this procedure →