St analysis behavior qualitative voice/resonance at St. Luke's Health Memorial Lufkin
1201 W Frank Ave, Lufkin, TX · CommonSpirit Health · · NPI 1396746129
$117.75
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.
?
What you pay up front if you don't use insurance.
$785.00
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.
?
The hospital's undiscounted list price — almost no one pays this.
$100.00 with Cigna vs $706.50 with Galaxy — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 |
|---|---|---|---|
| Cigna | Commercial|All Plans | $100.00 | ↓ -15% |
| BCBS-TX | Commercial|Blue Premier | $193.58 | ↑ +64% |
| United | Commercial|Exchange | $196.25 | ↑ +67% |
| BCBS-TX | Commercial|Blue Advantage HMO | $220.72 | ↑ +87% |
| BCBS-TX | Commercial|HMO | $221.63 | ↑ +88% |
| BCBS-TX | Commercial|PPO | $240.62 | ↑ +104% |
| United | Commercial|All Other Plans | $251.20 | ↑ +113% |
| United | Commercial|PPO | $298.30 | ↑ +153% |
| Humana | Commercial|All Plans | $400.35 | ↑ +240% |
| Aetna | Commercial|All Plans | $494.55 | ↑ +320% |
| PHCS | Commercial|All Plans | $533.80 | ↑ +353% |
| Multiplan | Commercial|All Plans | $549.50 | ↑ +367% |
| Galaxy | Commercial|All Plans | $706.50 | ↑ +500% |
Visitor-reported prices
Comments
St analysis behavior qualitative voice/resonance at other Texas hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| BAYLOR UNIVERSITY MEDICAL CENTER | Dallas | $382.60 | $108.00 – $542.02 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - BRENHAM | Brenham | $376.38 | $77.47 – $564.57 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - BUDA | Suite 110 | $401.71 | $80.34 – $502.14 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - CENTENNIAL | Frisco | $382.60 | $102.03 – $542.02 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - COLLEGE STATION | College Station | $376.38 | $108.00 – $564.57 |
| BAYLOR SCOTT & WHITE CONTINUING CARE HOSPITAL | Temple | $376.38 | $155.00 – $564.57 |
| BAYLOR SCOTT & WHITE EMERGENCY MEDICAL CENTER - CEDAR PARK | Cedar Park | $401.71 | $108.00 – $602.57 |
| BAYLOR SCOTT & WHITE ALL SAINTS MEDICAL CENTER - FORT WORTH | Fort Worth | $382.60 | $102.03 – $542.02 |