Novant Health Charlotte Orthopedic Hospital

If you have Anthem insurance, this hospital's negotiated rate averages around $375—roughly 40% less than what UnitedHealthcare or Humana members typically pay here. That's a meaningful difference, especially if your procedure qualifies for outpatient pricing. If you have other coverage, the rates vary widely; what your plan actually pays depends on your specific contract, and that number isn't always obvious until you call. This hospital specializes in orthopedics, so if your procedure is joint or bone-related, it's designed for what you need—but make sure your insurance covers it before you assume anything.

Call the billing department and tell them your insurance plan and the specific procedure your doctor recommended. Ask them for three numbers: what they bill your insurance (the gross charge), what your plan's negotiated rate is, and your out-of-pocket estimate based on your deductible and copay. If you're uninsured or underinsured, ask about cash pricing—they average around $968 for procedures they track, but your specific procedure may not be in that average, so get your own quote.