Observation direct referral from physician office for admission at Camden Clark Medical Center

800 Garfield Ave, Parkersburg, WV · Wvumedicine · · NPI 1699704254

Source: hospital's published price file ↗ · Published Jul 9, 2026 · Ingested Sep 16, 2026

$428.50

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.

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

$857.00

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.

$571.27 with peak health medicare advantage vs $1,482.00 with optum — 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
peak health medicare advantage all plans $571.27 ↑ +33%
molina oh medicare advantage all plans $571.27 ↑ +33%
united mine workers of america medicare advantage united mine workers of america medicare advantage $571.27 ↑ +33%
anthem oh medicare advantage hmo $588.41 ↑ +37%
highmark wv medicare advantage all plans $594.12 ↑ +39%
caresource oh medicare advantage all plans $599.83 ↑ +40%
aetna medicare advantage all plans $599.83 ↑ +40%
humana medicare advantage all plans $599.83 ↑ +40%
pa health & wellness medicare advantage all plan $599.83 ↑ +40%
senior life medicare advantage all plans $599.83 ↑ +40%
buckeye oh medicare advantage all plans $599.83 ↑ +40%
valor health medicare advantage all plans $605.55 ↑ +41%
the health plan wv medicare advantage all plans $605.55 ↑ +41%
wv senior advantage isnp $605.55 ↑ +41%
unitedhealthcare medicare advantage all plans $622.68 ↑ +45%
aetna aetna $708.61 ↑ +65%
caresource oh exchange caresource oh exchange $856.90 ↑ +100%
buckeye commercial exchange plan $856.90 ↑ +100%
encova worker's compensation $856.90 ↑ +100%
rockport healthcare group worker's compensation $885.47 ↑ +107%
coventry health care worker's compensation $902.61 ↑ +111%
alliance coal alliance coal $999.72 ↑ +133%
optum behavioral health $1,482.00 ↑ +246%

Visitor-reported prices

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Observation direct referral from physician office for admission at other West-virginia hospitals

Hospital City Cash price Negotiated range
Jefferson Medical Center Ranson $485.50 not published
West Virginia University Hospitals Morgantown $304.50 $90.00 – $2,440.44
Grant Memorial Hospital Petersburg $1,166.40 not published
Reynolds Memorial Hospital Glen Dale $349.00 $571.27 – $999.72
Summersville Regional Medical Center Summersville $618.50 not published
Berkeley Medical Center Martinsburg $463.00 $575.98 – $1,007.97
Braxton County Memorial Hospital Gassaway $570.50 not published
United Hospital Center Bridgeport $145.00 $576.05 – $1,008.09

All West-virginia hospitals for this procedure →