Ins pm gen w/exist mlt leads at St. Joseph Medical Center

1717 South J Street, Tacoma, WA · Vmfh · · NPI 1952309098

Source: hospital's published price file ↗ · Published Feb 28, 2026 · Ingested Sep 17, 2026

$4,258.32

Cash price

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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.

Full explanation →

What you pay up front if you don't use insurance.

$12,857.33

Gross charge

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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.

Full explanation →

The hospital's undiscounted list price — almost no one pays this.

$0.70 with Cigna vs $95,110.49 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 →

Payer
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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
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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 $0.70 ↓ -100%
Aetna Commercial|Rental $9,257.28 ↑ +117%
MultiPlan Commercial|All Plans $9,643.00 ↑ +126%
Kaiser Medicare|All Plans $21,616.02 ↑ +408%
SoundPath Medicare|All Plans $21,616.02 ↑ +408%
Optum Medicare|All Plans $21,832.18 ↑ +413%
BCBS - Regence Medicare|All Plans $22,264.50 ↑ +423%
Aetna Medicare|All Plans $22,264.50 ↑ +423%
BCBS - Premera Medicare|All Plans $22,264.50 ↑ +423%
Humana Medicare|All Plans $23,129.14 ↑ +443%
United Medicare|All Plans $23,345.30 ↑ +448%
Molina Medicare|All Plans $23,345.30 ↑ +448%
Seattle Medical Group Medicare|All Plans $23,401.50 ↑ +450%
Amerigroup Medicare|All Plans $23,561.46 ↑ +453%
CHPW Medicare|All Plans $24,858.42 ↑ +484%
First Choice Commercial|All Plans $39,252.87 ↑ +822%
Molina Commercial|Marketplace Exchange $41,502.76 ↑ +875%
Coordinated Care Commercial|Ambetter Exchange $42,799.72 ↑ +905%
Sound Family Medicine Commercial|All Plans $43,232.04 ↑ +915%
BCBS - Premera Commercial|LifeWise Primary Exchange $45,105.66 ↑ +959%
Uniform Medical Plan Commercial|All Plans $48,156.66 ↑ +1031%
Kaiser Commercial|HMO $50,804.67 ↑ +1093%
BCBS - Regence Commercial|All Plans $55,218.92 ↑ +1197%
Kaiser Commercial|PPO $55,889.06 ↑ +1212%
BCBS - Premera Commercial|All Other Plans $65,204.56 ↑ +1431%
United Commercial|Navigate $68,209.53 ↑ +1502%
United Commercial|Cascade Care $71,800.51 ↑ +1586%
United Commercial|All Other Plans $71,800.51 ↑ +1586%
Aetna Commercial|AWH $80,843.91 ↑ +1798%
Aetna Commercial|All Other Plans $95,110.49 ↑ +2134%

Visitor-reported prices

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Ins pm gen w/exist mlt leads at other Washington hospitals

Hospital City Cash price Negotiated range
MultiCare Mary Bridge Children's Hospital Tacoma $13,456.80 $5,864.48 – $146,855.36
MultiCare Allenmore Hospital Tacoma $13,456.80 $5,893.84 – $92,460.53
Swedish Medical Center - First Hill Campus Seattle $18,958.08 $7,277.00 – $89,185.38
Providence Sacred Heart Medical Center and Children's Hospital Spokane $30,956.80 $5,419.00 – $56,770.98
Swedish Medical Center Cherry Hill Seattle $18,958.08 $7,277.00 – $85,889.00
Swedish Issaquah Issaquah $18,958.08 $7,277.00 – $89,185.38
Providence St Mary Medical Center Walla Walla $8,660.40 $16,398.00 – $39,708.69
Kadlec Regional Medical Center Richland $13,737.50 $613.87 – $67,942.05

All Washington hospitals for this procedure →