Three Prices for One Colonoscopy
Same procedure. Same city. Three numbers.
Hospital Price Lookup pulls Cincinnati colonoscopy pricing straight from hospitals’ own federal transparency files: list about $9,490, cash about $5,694, insurer-negotiated around $906.
That is not a bug in the spreadsheet. It is the product. Chargemaster sticker. Cash discount. Negotiated rate. Pick a lane after the fact and hope you guessed right.
I am not anti-insurance. Keep a policy for the wreck. I am anti a gap that wide while premiums eat the raise.
Direct Care is the boring fix. Price on the door. You call. We see you. $906 is a price. So is a membership. It just happens to live down the hall from the gym.