Observation per hour at St. Luke's Health Memorial Lufkin
1201 W Frank Ave, Lufkin, TX · CommonSpirit Health · · NPI 1396746129
$34.54
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.
$230.25
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.
$19.65 with SUPERIOR vs $4,568.00 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 |
|---|---|---|---|
| SUPERIOR | Medicaid|STARPLUS | $19.65 | ↓ -43% |
| UNITED | Medicaid|All Other Plans | $19.65 | ↓ -43% |
| UNITED | Medicaid|CHIP | $19.65 | ↓ -43% |
| UNITED | Medicaid|STAR | $19.65 | ↓ -43% |
| SUPERIOR | Medicaid|All Other Plans | $19.65 | ↓ -43% |
| UNITED | Medicaid|STARKIDS | $19.65 | ↓ -43% |
| CIGNA HEALTHSPRING | Medicaid|STARPLUS | $20.05 | ↓ -42% |
| BCBS | Medicaid|All Plans | $20.64 | ↓ -40% |
| TCHP | Medicaid|All Plans | $26.20 | ↓ -24% |
| SUPERIOR | Medicaid|STAR | $30.86 | ↓ -11% |
| United | Commercial|Exchange | $32.75 | ↓ -5% |
| United | Commercial|All Other Plans | $41.92 | ↑ +21% |
| UNITED | Medicaid|STARPLUS | $43.82 | ↑ +27% |
| United | Commercial|PPO | $49.78 | ↑ +44% |
| Humana | Commercial|All Plans | $66.81 | ↑ +93% |
| Aetna | Commercial|All Plans | $82.53 | ↑ +139% |
| PHCS | Commercial|All Plans | $89.08 | ↑ +158% |
| Multiplan | Commercial|All Plans | $91.70 | ↑ +165% |
| Galaxy | Commercial|All Plans | $117.90 | ↑ +241% |
| BCBS-TX | Commercial|HMO | $131.00 | ↑ +279% |
| BCBS-TX | Commercial|Blue Advantage HMO | $131.00 | ↑ +279% |
| BCBS-TX | Commercial|Blue Premier | $131.00 | ↑ +279% |
| BCBS-TX | Commercial|PPO | $131.00 | ↑ +279% |
| Wellpoint | Medicaid|STARPLUS | $350.00 | ↑ +913% |
| Wellpoint | Medicaid|All Other Plans | $350.00 | ↑ +913% |
| Wellpoint | Medicaid|STAR | $549.50 | ↑ +1491% |
| Cigna | Commercial|All Plans | $4,568.00 | ↑ +13125% |
Visitor-reported prices
Comments
Observation per hour at other Texas hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Adventhealth Rollins Brook | Lampasas | $644.35 | $489.80 – $489.80 |
| St. Luke's Health - Patients Medical Center | Pasadena | $155.40 | $4.39 – $90.00 |
| Baylor St Luke's Medical Center | Houston | $21.70 | $6.82 – $90.90 |
| St. Joseph Health Madison Hospital | Madisonville | $52.85 | $38.48 – $271.80 |
| St. Luke's Health - Springwoods Village Hospital | Spring | $21.70 | $6.20 – $90.90 |
| St. Luke's Health - Sugar Land Hospital | Sugar Land | $21.70 | $4.96 – $90.90 |
| St. Joseph Health College Station Hospital | College Station | $52.85 | $24.16 – $256.70 |
| St. Luke's Health - Lakeside Hospital | The Woodlands | $21.70 | $4.96 – $90.90 |