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Heart failure (hospital stay) in Charlotte NC

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 291

Hospital · insurerRate× MedicarePlans
Lake Norman Regional Medical Center median $14,530 · local Medicare $8,866 · file 2026-04-01
Aetna$14,6581.7×1
BCBS NC$9,4371.1×2
Cigna$14,4021.6×1
UnitedHealthcare$16,4031.9×2
Atrium Health University City median $19,043 · local Medicare $8,866 · file 2025-12-05
BCBS NC$14,7321.7×2
Cigna$23,3542.6×1
Atrium Health Union median $20,141 · local Medicare $8,866 · file 2025-12-04
BCBS NC$16,9281.9×2
Cigna$23,3542.6×1
Atrium Health Cabarrus median $21,388 · local Medicare $8,866 · file 2025-12-01
BCBS NC$19,4232.2×2
Cigna$23,3542.6×1
Atrium Health Pineville median $21,642 · local Medicare $8,866 · file 2025-12-05
BCBS NC$19,9312.2×2
Cigna$23,3542.6×1
Novant Health Matthews Medical Center median $25,097 · local Medicare $8,866 · file 2026-03-30
BCBS NC$17,2141.9×4
Cigna$25,0972.8×1
UnitedHealthcare$25,9342.9×1
Novant Health Huntersville Medical Center median $25,097 · local Medicare $8,866 · file 2026-03-30
BCBS NC$17,2141.9×4
Cigna$25,0972.8×1
UnitedHealthcare$25,9342.9×1

MS-DRG 292

Hospital · insurerRate× MedicarePlans
Atrium Health Pineville median $14,284 · local Medicare $5,864 · file 2025-12-05
BCBS NC$13,1552.2×2
Cigna$15,4142.6×1
Novant Health Matthews Medical Center median $16,597 · local Medicare $5,864 · file 2026-03-30
BCBS NC$11,3841.9×4
Cigna$16,5972.8×1
UnitedHealthcare$17,1512.9×1

MS-DRG 293

Hospital · insurerRate× MedicarePlans
Atrium Health Pineville median $9,101 · local Medicare $3,909 · file 2025-12-05
BCBS NC$8,3812.1×2
Cigna$9,8212.5×1
Novant Health Matthews Medical Center median $11,065 · local Medicare $3,909 · file 2026-03-30
BCBS NC$7,5891.9×4
Cigna$11,0652.8×1
UnitedHealthcare$11,4342.9×1

Questions

How much does heart failure (hospital stay) cost with commercial insurance in Charlotte NC?

7 Charlotte NC hospitals post usable commercial rates for inpatient stay (MS-DRG 291). The median across hospitals is $21,388; hospital medians range from $14,530 to $25,097. Your cost depends on your plan's deductible and coinsurance.