Plcmt dlyd xtn pros 1st vsl at BAYLOR SCOTT & WHITE MEDICAL CENTER - MCKINNEY
5252 W. University Drive, McKinney, TX · Baylor Scott & White Health · · NPI 1124305065
$3,298.61
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.
$5,497.69
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.
$934.61 with Superior Health Plan vs $8,280.00 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 Health Plan | Medicaid | $934.61 | ↓ -72% |
| United Healthcare | Medicaid/CHIP | $1,000.03 | ↓ -70% |
| Blue Cross Blue Shield | Blue Advantage | $1,415.46 | ↓ -57% |
| Blue Cross Blue Shield | Blue Premier/High Performance Network/My BlueHealth | $2,001.74 | ↓ -39% |
| United Healthcare | Nexus | $2,546.00 | ↓ -23% |
| United Healthcare | Charter | $2,546.00 | ↓ -23% |
| Employers Health Network | BSWQA Direct/EHN Rental | $2,583.91 | ↓ -22% |
| Blue Cross Blue Shield | City of Dallas | $2,688.54 | ↓ -18% |
| Baylor Scott & White Health Plan | BSW Premier - Large Group/BSW Premier Direct to Employer (Rate 1)/BSWH Employee | $2,803.82 | ↓ -15% |
| United Healthcare | Commercial Broad | $2,829.00 | ↓ -14% |
| Blue Cross Blue Shield | Blue Essentials (HMO) | $2,839.29 | ↓ -14% |
| Blue Cross Blue Shield | BlueChoice (PPO) | $2,990.05 | ↓ -9% |
| Employers Health Network | EHN Network | $3,023.73 | ↓ -8% |
| QuikTrip | Employee Benefit Plan | $3,023.73 | ↓ -8% |
| Aetna | Commercial | $3,023.73 | ↓ -8% |
| Aetna | Medicare Advantage | $3,298.61 | ↑ +0% |
| Baylor Scott & White Health Plan | BSW Plus - Large Group/BSW Premier Direct to Employer (Rate 2) | $3,298.61 | ↑ +0% |
| Superior Ambetter | Ambetter Exchange | $3,573.50 | ↑ +8% |
| Curative | Commercial | $3,573.50 | ↑ +8% |
| Humana | Commercial PPO | $3,848.38 | ↑ +17% |
| First Health | PPO | $3,848.38 | ↑ +17% |
| HealthSmart | Accel Network | $3,848.38 | ↑ +17% |
| Private Health Care System | PHCS Network | $4,123.27 | ↑ +25% |
| TriWest | Community Care Network | $4,123.27 | ↑ +25% |
| HealthSmart | Preferred Network | $4,123.27 | ↑ +25% |
| CORVEL | Worker's Compensation | $4,673.04 | ↑ +42% |
| Cigna | Local Plus | $7,038.00 | ↑ +113% |
| Cigna | HMO/PPO | $8,280.00 | ↑ +151% |
| University of Mary Hardin-Baylor | Commercial | not published by hospital | — |
| Imagine Health | Commercial | not published by hospital | — |
Visitor-reported prices
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Plcmt dlyd xtn pros 1st vsl at other Texas hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| BAYLOR SCOTT & WHITE THE HEART HOSPITAL - MCKINNEY | McKinney | $3,298.61 | $705.90 – $7,038.00 |
| BAYLOR UNIVERSITY MEDICAL CENTER | Dallas | $3,298.61 | $934.61 – $6,299.00 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - BRENHAM | Brenham | $3,298.61 | $678.96 – $5,388.00 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - BUDA | Suite 110 | $3,298.61 | $659.72 – $5,388.00 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - CENTENNIAL | Frisco | $3,298.61 | $879.63 – $7,038.00 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - COLLEGE STATION | College Station | $3,298.61 | $1,058.86 – $5,388.00 |
| BAYLOR SCOTT & WHITE CONTINUING CARE HOSPITAL | Temple | $3,298.61 | $1,704.28 – $4,947.92 |
| BAYLOR SCOTT & WHITE EMERGENCY MEDICAL CENTER - CEDAR PARK | Cedar Park | $3,298.61 | $1,099.54 – $5,388.00 |