Observation direct referral from physician office for admission at MEDICAL CITY MCKINNEY HOSPITAL
4500 Medical Center Drive, McKinney, TX · Medicalcityhealthcare · · NPI 1437102639
not published by hospital
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.
not published by hospital
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.
$67.18 with Cigna vs $680.63 with BCBS — 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 |
|---|---|---|---|
| Cigna | IFP | $67.18 | — |
| Cigna | QHP | $69.67 | — |
| United | OptionsPPO | $93.05 | — |
| Unicare | CHIP | $129.38 | — |
| Healthcare Highways | CityofPlano | $168.20 | — |
| City of McKinney | COMM | $174.17 | — |
| BCBS | Traditional | $220.94 | — |
| National ChoiceCare | WCOMP | $248.81 | — |
| Aetna | ASA | $262.25 | — |
| Rockport Health Group | WORKERSCOMP | $273.69 | — |
| Aetna | WCOMP | $273.69 | — |
| Physicians Coop of TX | MGMCR | $273.69 | — |
| PC Texas Partners | WCOMP | $273.69 | — |
| Averde Health, Inc | PPO | $288.62 | — |
| Magellan BH | Summit | $298.57 | — |
| Magellan BH | Pinnacle | $298.57 | — |
| Value Options Behavioral Health | COMM | $298.57 | — |
| BCBS | BluePremier | $300.24 | — |
| Humana | BHCOMM | $323.45 | — |
| Multiplan PHCS | PrimaryNetwork | $348.33 | — |
| Mega Life | MGMCRPPO | $348.33 | — |
| Coastal Comp Health Networks | WCOMP | $348.33 | — |
| BCBS | BlueAdvantageHMO | $349.86 | — |
| BCBS | MyBlueHealth | $349.86 | — |
| Aetna Coventry First Health | COMM | $361.77 | — |
| LEWISVILLE ISD/DLS CONSULTING | COMMPPO | $373.21 | — |
| ComPsych Corporation | COMM | $398.10 | — |
| HealthSmart Preferred Care | PPO | $398.10 | — |
| USA Managed Care | COMM | $398.10 | — |
| Galaxy Health Network | PPO | $422.98 | — |
| Independent Medical Systems | COMM | $497.62 | — |
| National Healthcare Solutions | COMM | $497.62 | — |
| Unicare | MCD | $497.62 | — |
| BCBS | BlueEssentials | $619.56 | — |
| BCBS | BlueEssentialsAccess | $619.56 | — |
| BCBS | EPOSOA | $650.09 | — |
| BCBS | PPO | $680.63 | — |
Visitor-reported prices
Comments
Observation direct referral from physician office for admission at other Texas hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| BAYLOR SCOTT & WHITE MEDICAL CENTER - MCKINNEY | McKinney | $554.33 | $157.06 – $1,591.17 |
| BAYLOR SCOTT & WHITE THE HEART HOSPITAL - MCKINNEY | McKinney | $554.33 | $118.63 – $1,591.17 |
| Adventhealth Rollins Brook | Lampasas | $162.54 | $489.80 – $489.80 |
| BAYLOR UNIVERSITY MEDICAL CENTER | Dallas | $554.33 | $157.06 – $1,591.17 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - BRENHAM | Brenham | $527.99 | $71.00 – $1,591.17 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - BUDA | Suite 110 | $602.45 | $71.00 – $1,591.17 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - CENTENNIAL | Frisco | $554.33 | $147.82 – $1,591.17 |
| BAYLOR SCOTT & WHITE MEDICAL CENTER - COLLEGE STATION | College Station | $527.99 | $169.48 – $1,591.17 |