Sentara Williamsburg Regional Medical Center

Here's what matters most: Sentara Williamsburg's gross charges run about double their cash price, which is standard for hospitals, but your actual bill depends heavily on your insurance plan. If you have Anthem or UnitedHealthcare, expect to pay more — Anthem averages around $4,100 and UnitedHealthcare around $5,900 for similar procedures here. If you're on Sentara Health Plan or Humana, you're looking at roughly $1,200–$1,400 instead. The hospital does offer financial assistance if your household income is below 300% of the federal poverty line (roughly $80,000 for a family of four), so call their billing office and ask if you qualify — many people eligible for help never apply.

Before you book, call Sentara's billing department and ask for the cash price for your specific procedure, then check with your insurance company what they'll actually pay here. Ask about their financial assistance program while you're at it, even if you think you might not qualify. The hospital has strong quality ratings and good outcomes, but your out-of-pocket cost hinges on these conversations, not just the sticker price.