Annual Physical, Established Patient (age 18-39) at St. Francis Hospital
34515 Ninth Avenue South, Federal Way, WA · Vmfh · · NPI 1093713091
$177.64
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.
$566.04
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.
$122.51 with First Choice vs $851.91 with Aetna — 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 |
|---|---|---|---|
| First Choice | Commercial|All Plans | $122.51 | ↓ -31% |
| BCBS - Regence | Commercial|All Plans | $145.21 | ↓ -18% |
| Aetna | Commercial|Rental | $147.01 | ↓ -17% |
| MultiPlan | Commercial|All Plans | $153.13 | ↓ -14% |
| Uniform Medical Plan | Commercial|All Plans | $174.26 | ↓ -2% |
| Cigna | Commercial|All Plans | $221.00 | ↑ +24% |
| Aetna | Commercial|WEA | $851.91 | ↑ +380% |
Visitor-reported prices
Comments
Annual Physical, Established Patient (age 18-39) at other Washington hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Swedish Edmonds Hospital | Edmonds | $59.04 | not published |
| Providence Regional Medical Center Everett - Colby Campus | Everett | $160.16 | not published |
| St. Michael Medical Center | Silverdale | $249.83 | $128.63 – $183.76 |
| St. Anne Hospital | Burien | $172.85 | $87.80 – $183.76 |
| St. Anthony Hospital | Gig Harbor | $172.17 | $122.51 – $174.26 |
| St. Joseph Medical Center | Tacoma | $187.48 | $122.51 – $174.26 |
| St. Elizabeth Hospital | Enumclaw | $200.02 | $34.71 – $183.76 |
| St. Clare Hospital | Lakewood | $163.16 | $122.51 – $174.26 |