Hospital observation (per hour)
Facility: Major Hospital
Billing Code: G0378 (HCPCS)
This hospital's typical commercial price is $614 compared to the $91 fair price benchmark.
4-Star CMS clinical quality rating paired with 6.75× fair market pricing.
Highest price of the 9 IN hospitals we have prices for — worth calling around.
Black dot = this hospital, among the 9 IN hospitals with a price for this procedure. Full list below.
A fair price for a Hospital observation (per hour) is about $91. Major Hospital charges insurers about $614, or about $190 in cash — well above the fair price. Located in Shelbyville, IN.
This price is above the fair BaseRate — you may be able to pay less
Ask the hospital for the cash / self-pay price, check whether you qualify for financial assistance, or negotiate the bill down toward the fair price of about $91. Many patients pay well below the first number they’re quoted — the checklists below walk you through it.
What each insurance company pays
Which insurers have negotiated a price with this hospital for this procedure — and which haven’t.
5 of 6 major insurers have a published price at this hospital
Crossed out = this hospital hasn’t published a negotiated price for that insurer for this procedure. It doesn’t necessarily mean they aren’t accepted — ask your insurer.
| Insurance company | Price range | vs. Medicare |
|---|---|---|
| UnitedHealthcaremajor | $56 - $805 | — |
| Blue Cross Blue Shieldmajor | $42 - $1,236 | — |
| Aetnamajor | $72 - $1,038 | — |
| Cignamajor | $85 - $1,224 | — |
| Humanamajor | $78 - $1,114 | — |
| + 2 smaller / regional plans | $47 - $1,075 |
Self-Pay How to get the cash price
Insurance Before you use insurance
Estimate your out-of-pocket cost
A rough estimate of what you’d pay with insurance (deductible + coinsurance) versus paying the cash price yourself.
Other Procedures at Major Hospital
Compare: Hospital observation (per hour) at other IN hospitals
- Decatur County Memorial Hospital · Greensburg $57
- Memorial Hospital and Health Care Center · Jasper $61
- Woodlawn Hospital · Rochester $62
- Ascension St Vincent Kokomo · Kokomo $78
- Ascension St Vincent Anderson · Anderson $78
- Ascension St Vincent Evansville · Evansville $78
- St Vincent Heart Center · Carmel $78
- Ascension St Vincent Carmel · Carmel $78
Insurance negotiated median for the same procedure, sorted lowest first.
Audit a Bill or Quote at Major Hospital (Zero PHI Required)
Statutory 501(r) AGB Cap Limits Bill to $223
At 274% FPL (201%–400% FPL tier), 26 U.S.C. § 501(r)(5) caps FAP-eligible bills at Amounts Generally Billed (36.3% of gross = $223).
Self-Pay Cash Rate ($190) Beats Your Bill
Major Hospital's published 45 CFR § 180 self-pay cash rate is $190 (vs. $614 commercial insurer median). Ask billing to reclassify the visit to prompt-pay self-pay if it beats your deductible.
Negotiate Toward $91 Fair BaseRate ($53 Medicare)
Your bill ($614) is $523 above the denoised Fair BaseRate ($91) and 11.6× the $53 Medicare rate.
Clinical Quality, Patient Experience & Infection Benchmarks
Source: CMS Hospital Care Compare. Clinical quality metrics summarize historical facility-wide cohorts and are not medical advice for individual care decisions.
How to Pay Less Nearby: Freestanding Centers, Insurer Leverage & Outpatient Savings
Verify the Raw Data: Official Hospital MRF, CMS Medicare.gov & Federal Filings
Safe-Harbor Data Corrections: Parsed directly from public 45 CFR § 180 hospital filings, CMS Care Compare, and CMS HCRIS cost reports. Hospital compliance officers may submit updated MRF URLs or rate tables for verification.