#cf-97variants at St. Joseph Health Madison Hospital
100 West Cross Street, Madisonville, TX · CommonSpirit Health · · NPI 1780731737
$389.55
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.
$2,226.00
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.
$500.94 with United vs $2,226.00 with BCBS-TX — 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 |
|---|---|---|---|
| United | Commercial|Exchange | $500.94 | ↑ +29% |
| BCBS-TX | Commercial|Ref Lab | $545.47 | ↑ +40% |
| PGT | Medicare|All Plans | $545.47 | ↑ +40% |
| AETNA | Medicare|All Plans | $556.60 | ↑ +43% |
| BCBS | Medicare|All Plans | $556.60 | ↑ +43% |
| Wellpoint | Medicaid|All Other Plans | $560.96 | ↑ +44% |
| UNITED | Medicare|All Plans | $567.73 | ↑ +46% |
| AMERIVANTAGE | Medicare|All Plans | $573.30 | ↑ +47% |
| SCANHealth | Medicare|All Plans | $595.56 | ↑ +53% |
| SUPERIOR | Medicaid|CHIP | $762.54 | ↑ +96% |
| Wellpoint | Medicaid|STAR | $771.31 | ↑ +98% |
| UNITED | Medicaid|All Other Plans | $777.79 | ↑ +100% |
| UNITED | Medicaid|STARKIDS | $777.79 | ↑ +100% |
| BCBS | Medicaid|STARKIDS | $800.67 | ↑ +106% |
| SUPERIOR | Medicaid|All Other Plans | $800.67 | ↑ +106% |
| Ambetter | Commercial|All Plans | $807.07 | ↑ +107% |
| Wellpoint | Commercial|Exchange | $834.90 | ↑ +114% |
| United | Commercial|All Other Plans | $974.05 | ↑ +150% |
| Bright Health | Commercial|All Plans | $990.75 | ↑ +154% |
| SUPERIOR | Medicaid|STAR | $1,105.68 | ↑ +184% |
| Entrust | Commercial|All Plans | $1,113.20 | ↑ +186% |
| Cigna | Commercial|Local Plus | $1,213.93 | ↑ +212% |
| Health Smart | Commercial|All Plans | $1,224.30 | ↑ +214% |
| First Health | Commercial|All Plans | $1,335.60 | ↑ +243% |
| Humana | Commercial|All Plans | $1,357.86 | ↑ +249% |
| Cigna | Commercial|All Other Plans | $1,424.64 | ↑ +266% |
| Aetna | Commercial|All Plans | $1,469.16 | ↑ +277% |
| Ellwood | Commercial|All Plans | $1,669.80 | ↑ +329% |
| NX Health | Commercial|All Plans | $1,808.95 | ↑ +364% |
| SUPERIOR | Medicaid|STARPLUS | $1,891.10 | ↑ +385% |
| PHCS | Commercial|All Plans | $1,892.10 | ↑ +386% |
| UNITED | Medicaid|STARPLUS | $1,929.23 | ↑ +395% |
| BCBS-TX | Commercial|Blue Premier | $1,953.67 | ↑ +402% |
| BCBS-TX | Commercial|Blue Advantage HMO | $1,953.67 | ↑ +402% |
| BCBS-TX | Commercial|HMO | $1,992.63 | ↑ +412% |
| Multiplan | Commercial|All Plans | $2,003.40 | ↑ +414% |
| BCBS-TX | Commercial|PPO | $2,226.00 | ↑ +471% |
Visitor-reported prices
Comments
#cf-97variants at other Texas hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| BAYLOR UNIVERSITY MEDICAL CENTER | Dallas | $1,220.78 | $10.00 – $1,335.84 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - BRENHAM | Brenham | $855.82 | $12.00 – $1,335.84 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - BUDA | Suite 110 | $687.08 | $12.00 – $1,335.84 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - CENTENNIAL | Frisco | $1,220.78 | $10.00 – $1,335.84 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - COLLEGE STATION | College Station | $855.82 | $12.00 – $1,335.84 |
| BAYLOR SCOTT & WHITE CONTINUING CARE HOSPITAL | Temple | $855.82 | $8.00 – $1,335.84 |
| BAYLOR SCOTT & WHITE EMERGENCY MEDICAL CENTER - CEDAR PARK | Cedar Park | $687.08 | $12.00 – $1,335.84 |
| BAYLOR SCOTT & WHITE ALL SAINTS MEDICAL CENTER - FORT WORTH | Fort Worth | $1,220.78 | $10.00 – $1,335.84 |