Kit ipg optimizer smart at St. Luke's Health Memorial Lufkin
1201 W Frank Ave, Lufkin, TX · CommonSpirit Health · · NPI 1396746129
$40,950.00
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.
$273,000.00
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.
$40,950.00 with BCBS-TX vs $245,700.00 with Galaxy — 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 |
|---|---|---|---|
| BCBS-TX | Commercial|Blue Advantage HMO | $40,950.00 | ↑ +0% |
| Cigna | Commercial|All Plans | $46,410.00 | ↑ +13% |
| BCBS-TX | Commercial|Blue Premier | $57,330.00 | ↑ +40% |
| BCBS-TX | Commercial|HMO | $60,060.00 | ↑ +47% |
| BCBS-TX | Commercial|PPO | $65,520.00 | ↑ +60% |
| United | Commercial|Exchange | $68,250.00 | ↑ +67% |
| United | Commercial|All Other Plans | $87,360.00 | ↑ +113% |
| United | Commercial|PPO | $103,740.00 | ↑ +153% |
| Entrust | Commercial|All Plans | $122,850.00 | ↑ +200% |
| Humana | Commercial|All Plans | $139,230.00 | ↑ +240% |
| Aetna | Commercial|All Plans | $171,990.00 | ↑ +320% |
| Angelina County | Commercial|All Plans | $174,720.00 | ↑ +327% |
| PHCS | Commercial|All Plans | $185,640.00 | ↑ +353% |
| Multiplan | Commercial|All Plans | $191,100.00 | ↑ +367% |
| Galaxy | Commercial|All Plans | $245,700.00 | ↑ +500% |
Visitor-reported prices
Comments
Kit ipg optimizer smart at other Texas hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Covenant Children's Hospital | Lubbock | $46,737.60 | not published |
| Baylor St Luke's Medical Center | Houston | $95,550.00 | $48,276.27 – $229,887.00 |
| St. Luke's Health - Springwoods Village Hospital | Spring | $95,550.00 | $48,276.27 – $229,887.00 |
| St. Luke's Health - Sugar Land Hospital | Sugar Land | $95,550.00 | $48,276.27 – $229,887.00 |
| St. Luke's Health - Lakeside Hospital | The Woodlands | $95,550.00 | $48,276.27 – $229,887.00 |
| St. Luke's Health - The Vintage Hospital | Houston | $95,550.00 | $48,276.27 – $229,887.00 |
| St. Luke's Health Memorial Livingston | Livingston | $40,950.00 | $40,950.00 – $245,700.00 |
| Covenant Medical Center | Lubbock | $46,737.60 | not published |