ER Visit (level 4) at St. Luke's Health Memorial Lufkin
1201 W Frank Ave, Lufkin, TX · CommonSpirit Health · · NPI 1396746129
$481.35
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.
$3,209.00
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.
$265.00 with Wellpoint vs $3,623.00 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 →
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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 |
|---|---|---|---|
| Wellpoint | Medicaid|All Other Plans | $265.00 | ↓ -45% |
| Wellpoint | Medicaid|STARPLUS | $265.00 | ↓ -45% |
| UNITED | Medicare|All Plans | $402.49 | ↓ -16% |
| HUMANA | Medicare|All Plans | $402.49 | ↓ -16% |
| BCBS | Medicare|All Plans | $402.49 | ↓ -16% |
| CIGNA HEALTHSPRING | Medicare|All Other Plans | $402.49 | ↓ -16% |
| AETNA | Medicare|All Plans | $402.49 | ↓ -16% |
| CIGNA HEALTHSPRING | Medicare|PPO | $406.51 | ↓ -16% |
| Wellpoint | Medicare|All Plans | $414.56 | ↓ -14% |
| Wellpoint | Medicaid|STAR | $416.05 | ↓ -14% |
| SCANHealth | Medicare|All Plans | $430.66 | ↓ -11% |
| SUPERIOR | Medicaid|All Other Plans | $481.35 | ↑ +0% |
| UNITED | Medicaid|STARKIDS | $481.35 | ↑ +0% |
| SUPERIOR | Medicaid|STARPLUS | $481.35 | ↑ +0% |
| UNITED | Medicaid|STAR | $481.35 | ↑ +0% |
| UNITED | Medicaid|CHIP | $481.35 | ↑ +0% |
| UNITED | Medicaid|All Other Plans | $481.35 | ↑ +0% |
| CIGNA HEALTHSPRING | Medicaid|STARPLUS | $490.98 | ↑ +2% |
| MD Save | Commercial|All Plans | $503.11 | ↑ +5% |
| BCBS | Medicaid|All Plans | $505.42 | ↑ +5% |
| Wellpoint | Commercial|Exchange | $603.74 | ↑ +25% |
| Angelina County | Commercial|All Plans | $624.88 | ↑ +30% |
| TCHP | Medicaid|All Plans | $641.80 | ↑ +33% |
| BCBS-TX | Commercial|Blue Premier | $752.83 | ↑ +56% |
| SUPERIOR | Medicaid|STAR | $755.72 | ↑ +57% |
| United | Commercial|Exchange | $802.25 | ↑ +67% |
| BCBS-TX | Commercial|Blue Advantage HMO | $858.37 | ↑ +78% |
| BCBS-TX | Commercial|HMO | $861.89 | ↑ +79% |
| BCBS-TX | Commercial|PPO | $935.76 | ↑ +94% |
| Entrust | Commercial|All Plans | $1,015.43 | ↑ +111% |
| United | Commercial|All Other Plans | $1,026.88 | ↑ +113% |
| UNITED | Medicaid|STARPLUS | $1,073.42 | ↑ +123% |
| Brookshire Brothers | Commercial|All Plans | $1,171.65 | ↑ +143% |
| United | Commercial|PPO | $1,219.42 | ↑ +153% |
| Humana | Commercial|All Plans | $1,636.59 | ↑ +240% |
| Aetna | Commercial|All Plans | $2,021.67 | ↑ +320% |
| PHCS | Commercial|All Plans | $2,182.12 | ↑ +353% |
| Multiplan | Commercial|All Plans | $2,246.30 | ↑ +367% |
| Galaxy | Commercial|All Plans | $2,888.10 | ↑ +500% |
| Cigna | Commercial|All Plans | $3,623.00 | ↑ +653% |
Visitor-reported prices
Comments
ER Visit (level 4) at other Texas hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Adventhealth Rollins Brook | Lampasas | $2,386.19 | $1,354.39 – $1,354.39 |
| BAYLOR UNIVERSITY MEDICAL CENTER | Dallas | $1,273.68 | $360.88 – $6,299.00 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - BRENHAM | Brenham | $1,601.69 | $329.68 – $4,008.00 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - BUDA | Suite 110 | $1,676.36 | $335.27 – $4,008.00 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - CENTENNIAL | Frisco | $1,273.68 | $339.65 – $3,894.00 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - COLLEGE STATION | College Station | $1,601.69 | $398.20 – $4,008.00 |
| BAYLOR SCOTT & WHITE CONTINUING CARE HOSPITAL | Temple | $1,601.69 | $827.54 – $3,780.00 |
| BAYLOR SCOTT & WHITE EMERGENCY MEDICAL CENTER - CEDAR PARK | Cedar Park | $1,676.36 | $398.20 – $3,780.00 |