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Every commercial insurer rate these hospitals posted, as a dollar amount and as a multiple of the hospital's own Medicare base rate.
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MS-DRG 190
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Ascension St Vincent Carmel median $13,700 · local Medicare $8,377 · file 2026-01-01 | |||
| Aetna | $11,231 | 1.3× | 1 |
| Cigna | $15,520 | 1.9× | 4 |
| Elevance/Anthem/Empire | $17,233 | 2.1× | 17 |
| Encore (rental network) | $13,400 | 1.6× | 1 |
| Encore Exclusive (rental network) | $13,400 | 1.6× | 1 |
| Humana | $13,469 | 1.6× | 6 |
| One Health Plan | $11,500 | 1.4× | 1 |
| Prohealth | $7,940 | 0.9× | 3 |
| SIHO PPO | $15,000 | 1.8× | 1 |
| Sagamore Plus Drg | $19,607 | 2.3× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 1.6× | 1 |
| Suburban TPA | $7,940 | 0.9× | 1 |
| Suburban/Sho | $7,940 | 0.9× | 2 |
| Unified Zionsville | $13,965 | 1.7× | 3 |
| UnitedHealthcare | $18,509 | 2.2× | 3 |
| Ascension St Vincent Fishers median $14,732 · local Medicare $8,377 · file 2026-01-01 | |||
| Aetna | $11,231 | 1.3× | 1 |
| Cigna | $15,520 | 1.9× | 4 |
| Elevance/Anthem/Empire | $17,233 | 2.1× | 17 |
| Encore (rental network) | $13,400 | 1.6× | 1 |
| Encore Exclusive (rental network) | $13,400 | 1.6× | 1 |
| Humana | $15,002 | 1.8× | 4 |
| One Health Plan | $11,500 | 1.4× | 1 |
| Prohealth | $7,940 | 0.9× | 3 |
| SIHO PPO | $15,000 | 1.8× | 1 |
| Sagamore Plus Drg | $19,607 | 2.3× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 1.6× | 1 |
| Suburban/Sho | $7,940 | 0.9× | 2 |
| Unified Zionsville | $14,464 | 1.7× | 2 |
| UnitedHealthcare | $18,509 | 2.2× | 3 |
| Ascension St Vincent Anderson median $15,000 · local Medicare $8,377 · file 2026-01-01 | |||
| Aetna | $11,231 | 1.3× | 1 |
| Cigna | $17,562 | 2.1× | 3 |
| Elevance/Anthem/Empire | $15,894 | 1.9× | 12 |
| Encore (rental network) | $13,400 | 1.6× | 1 |
| Encore Exclusive (rental network) | $13,400 | 1.6× | 1 |
| Humana | $15,002 | 1.8× | 4 |
| One Health Plan | $11,500 | 1.4× | 1 |
| Prohealth | $7,940 | 0.9× | 3 |
| SIHO PPO | $15,000 | 1.8× | 1 |
| Sagamore Plus Drg | $19,607 | 2.3× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 1.6× | 1 |
| Suburban/Sho | $7,940 | 0.9× | 3 |
| Unified Group Services | $18,211 | 2.2× | 1 |
| Unified Zionsville | $13,965 | 1.7× | 3 |
| UnitedHealthcare | $18,509 | 2.2× | 1 |
| Hendricks Regional Health median $20,276 · local Medicare $8,377 · file 2026-05-20 | |||
| Cigna | $34,055 | 4.1× | 1 |
| Elevance/Anthem/Empire | $14,375 | 1.7× | 3 |
| Sagamore Health Incumbent Program | $20,276 | 2.4× | 1 |
| SagamoreHealth Network | $21,343 | 2.5× | 1 |
| UnitedHealthcare | $16,088 | 1.9× | 2 |
| Franciscan Health Mooresville median $25,110 · local Medicare $8,377 · file 2026-01-01 | |||
| Aetna | $28,144 | 3.4× | 3 |
| BCBS (other) | $25,110 | 3.0× | 1 |
| BCBS IL | $25,110 | 3.0× | 1 |
| Elevance/Anthem/Empire | $25,110 | 3.0× | 7 |
| Franciscan Health Indianapolis median $25,110 · local Medicare $8,377 · file 2026-01-01 | |||
| Aetna | $28,144 | 3.4× | 3 |
| BCBS (other) | $25,110 | 3.0× | 1 |
| BCBS IL | $25,110 | 3.0× | 1 |
| Elevance/Anthem/Empire | $25,110 | 3.0× | 7 |
| UnitedHealthcare | $21,760 | 2.6× | 6 |
MS-DRG 191
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Ascension St Vincent Carmel median $13,700 · local Medicare $6,375 · file 2026-01-01 | |||
| Aetna | $11,231 | 1.8× | 1 |
| Cigna | $15,520 | 2.4× | 4 |
| Elevance/Anthem/Empire | $17,233 | 2.7× | 17 |
| Encore (rental network) | $13,400 | 2.1× | 1 |
| Encore Exclusive (rental network) | $13,400 | 2.1× | 1 |
| Humana | $13,469 | 2.1× | 6 |
| One Health Plan | $11,500 | 1.8× | 1 |
| Prohealth | $7,940 | 1.2× | 3 |
| SIHO PPO | $15,000 | 2.4× | 1 |
| Sagamore Plus Drg | $19,607 | 3.1× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 2.1× | 1 |
| Suburban TPA | $7,940 | 1.2× | 1 |
| Suburban/Sho | $7,940 | 1.2× | 2 |
| Unified Zionsville | $13,965 | 2.2× | 3 |
| UnitedHealthcare | $18,509 | 2.9× | 3 |
| Ascension St Vincent Fishers median $14,732 · local Medicare $6,375 · file 2026-01-01 | |||
| Aetna | $11,231 | 1.8× | 1 |
| Cigna | $15,520 | 2.4× | 4 |
| Elevance/Anthem/Empire | $17,233 | 2.7× | 17 |
| Encore (rental network) | $13,400 | 2.1× | 1 |
| Encore Exclusive (rental network) | $13,400 | 2.1× | 1 |
| Humana | $15,002 | 2.4× | 4 |
| One Health Plan | $11,500 | 1.8× | 1 |
| Prohealth | $7,940 | 1.2× | 3 |
| SIHO PPO | $15,000 | 2.4× | 1 |
| Sagamore Plus Drg | $19,607 | 3.1× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 2.1× | 1 |
| Suburban/Sho | $7,940 | 1.2× | 2 |
| Unified Zionsville | $14,464 | 2.3× | 2 |
| UnitedHealthcare | $18,509 | 2.9× | 3 |
| Ascension St Vincent Anderson median $15,000 · local Medicare $6,375 · file 2026-01-01 | |||
| Aetna | $11,231 | 1.8× | 1 |
| Cigna | $17,562 | 2.8× | 3 |
| Elevance/Anthem/Empire | $15,894 | 2.5× | 12 |
| Encore (rental network) | $13,400 | 2.1× | 1 |
| Encore Exclusive (rental network) | $13,400 | 2.1× | 1 |
| Humana | $15,002 | 2.4× | 4 |
| One Health Plan | $11,500 | 1.8× | 1 |
| Prohealth | $7,940 | 1.2× | 3 |
| SIHO PPO | $15,000 | 2.4× | 1 |
| Sagamore Plus Drg | $19,607 | 3.1× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 2.1× | 1 |
| Suburban/Sho | $7,940 | 1.2× | 3 |
| Unified Group Services | $18,211 | 2.9× | 1 |
| Unified Zionsville | $13,965 | 2.2× | 3 |
| UnitedHealthcare | $18,509 | 2.9× | 1 |
| Hendricks Regional Health median $15,431 · local Medicare $6,375 · file 2026-05-20 | |||
| Cigna | $25,917 | 4.1× | 1 |
| Elevance/Anthem/Empire | $10,940 | 1.7× | 3 |
| Sagamore Health Incumbent Program | $15,431 | 2.4× | 1 |
| SagamoreHealth Network | $16,243 | 2.5× | 1 |
| UnitedHealthcare | $12,244 | 1.9× | 2 |
| Franciscan Health Mooresville median $19,110 · local Medicare $6,375 · file 2026-01-01 | |||
| Aetna | $21,419 | 3.4× | 3 |
| BCBS (other) | $19,110 | 3.0× | 1 |
| BCBS IL | $19,110 | 3.0× | 1 |
| Elevance/Anthem/Empire | $19,110 | 3.0× | 7 |
| UnitedHealthcare | $16,560 | 2.6× | 7 |
| Franciscan Health Indianapolis median $19,110 · local Medicare $6,375 · file 2026-01-01 | |||
| Aetna | $21,419 | 3.4× | 3 |
| BCBS (other) | $19,110 | 3.0× | 1 |
| BCBS IL | $19,110 | 3.0× | 1 |
| Elevance/Anthem/Empire | $19,110 | 3.0× | 7 |
| UnitedHealthcare | $16,560 | 2.6× | 6 |
MS-DRG 192
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Hendricks Regional Health median $11,752 · local Medicare $4,855 · file 2026-05-20 | |||
| Cigna | $19,738 | 4.1× | 1 |
| Elevance/Anthem/Empire | $8,331 | 1.7× | 3 |
| Sagamore Health Incumbent Program | $11,752 | 2.4× | 1 |
| SagamoreHealth Network | $12,370 | 2.5× | 1 |
| UnitedHealthcare | $9,324 | 1.9× | 2 |
| Ascension St Vincent Carmel median $13,700 · local Medicare $4,855 · file 2026-01-01 | |||
| Aetna | $11,231 | 2.3× | 1 |
| Cigna | $15,520 | 3.2× | 4 |
| Elevance/Anthem/Empire | $17,233 | 3.5× | 17 |
| Encore (rental network) | $13,400 | 2.8× | 1 |
| Encore Exclusive (rental network) | $13,400 | 2.8× | 1 |
| Humana | $13,469 | 2.8× | 6 |
| One Health Plan | $11,500 | 2.4× | 1 |
| Prohealth | $7,940 | 1.6× | 3 |
| SIHO PPO | $15,000 | 3.1× | 1 |
| Sagamore Plus Drg | $19,607 | 4.0× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 2.8× | 1 |
| Suburban TPA | $7,940 | 1.6× | 1 |
| Suburban/Sho | $7,940 | 1.6× | 2 |
| Unified Zionsville | $13,965 | 2.9× | 3 |
| UnitedHealthcare | $18,509 | 3.8× | 3 |
| Franciscan Health Mooresville median $14,554 · local Medicare $4,855 · file 2026-01-01 | |||
| Aetna | $16,312 | 3.4× | 3 |
| BCBS (other) | $14,554 | 3.0× | 1 |
| BCBS IL | $14,554 | 3.0× | 1 |
| Elevance/Anthem/Empire | $14,554 | 3.0× | 7 |
| UnitedHealthcare | $12,611 | 2.6× | 7 |
| Franciscan Health Indianapolis median $14,554 · local Medicare $4,855 · file 2026-01-01 | |||
| Aetna | $16,312 | 3.4× | 3 |
| BCBS (other) | $14,554 | 3.0× | 1 |
| BCBS IL | $14,554 | 3.0× | 1 |
| Elevance/Anthem/Empire | $14,554 | 3.0× | 7 |
| UnitedHealthcare | $12,611 | 2.6× | 6 |
| Ascension St Vincent Fishers median $14,732 · local Medicare $4,855 · file 2026-01-01 | |||
| Aetna | $11,231 | 2.3× | 1 |
| Cigna | $15,520 | 3.2× | 4 |
| Elevance/Anthem/Empire | $17,233 | 3.5× | 17 |
| Encore (rental network) | $13,400 | 2.8× | 1 |
| Encore Exclusive (rental network) | $13,400 | 2.8× | 1 |
| Humana | $15,002 | 3.1× | 4 |
| One Health Plan | $11,500 | 2.4× | 1 |
| Prohealth | $7,940 | 1.6× | 3 |
| SIHO PPO | $15,000 | 3.1× | 1 |
| Sagamore Plus Drg | $19,607 | 4.0× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 2.8× | 1 |
| Suburban/Sho | $7,940 | 1.6× | 2 |
| Unified Zionsville | $14,464 | 3.0× | 2 |
| UnitedHealthcare | $18,509 | 3.8× | 3 |
| Ascension St Vincent Anderson median $15,000 · local Medicare $4,855 · file 2026-01-01 | |||
| Aetna | $11,231 | 2.3× | 1 |
| Cigna | $17,562 | 3.6× | 3 |
| Elevance/Anthem/Empire | $15,894 | 3.3× | 12 |
| Encore (rental network) | $13,400 | 2.8× | 1 |
| Encore Exclusive (rental network) | $13,400 | 2.8× | 1 |
| Humana | $15,002 | 3.1× | 4 |
| One Health Plan | $11,500 | 2.4× | 1 |
| Prohealth | $7,940 | 1.6× | 3 |
| SIHO PPO | $15,000 | 3.1× | 1 |
| Sagamore Plus Drg | $19,607 | 4.0× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 2.8× | 1 |
| Suburban/Sho | $7,940 | 1.6× | 3 |
| Unified Group Services | $18,211 | 3.8× | 1 |
| Unified Zionsville | $13,965 | 2.9× | 3 |
| UnitedHealthcare | $18,509 | 3.8× | 1 |
Questions
How much does copd flare (hospital stay) cost with commercial insurance in Indianapolis IN?
6 Indianapolis IN hospitals post usable commercial rates for inpatient stay (MS-DRG 190). The median across hospitals is $17,638; hospital medians range from $13,700 to $25,110. Your cost depends on your plan's deductible and coinsurance.