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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 291
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| CJW Medical Center (Chippenham + Johnston-Willis) median $14,838 · local Medicare $8,904 · file 2026-09-01 | |||
| Aetna | $20,102 | 2.3× | 3 |
| Bright Health | $13,321 | 1.5× | 2 |
| Cigna | $20,103 | 2.3× | 2 |
| Elevance/Anthem/Empire | $20,583 | 2.3× | 4 |
| Oscar | $14,838 | 1.7× | 1 |
| Pyramid Life | $10,927 | 1.2× | 1 |
| Sentara Optima Health | $21,620 | 2.4× | 3 |
| UnitedHealthcare | $13,578 | 1.5× | 7 |
| Virginia Premier Health | $10,132 | 1.1× | 1 |
| Henrico Doctors' Hospital median $14,838 · local Medicare $8,904 · file 2026-09-01 | |||
| Aetna | $20,102 | 2.3× | 3 |
| Bright Health | $13,321 | 1.5× | 2 |
| Cigna | $20,103 | 2.3× | 2 |
| Elevance/Anthem/Empire | $22,505 | 2.5× | 4 |
| Oscar | $14,838 | 1.7× | 1 |
| Pyramid Life | $10,878 | 1.2× | 1 |
| Sentara Optima Health | $21,620 | 2.4× | 3 |
| UnitedHealthcare | $11,734 | 1.3× | 8 |
| Virginia Premier Health | $10,087 | 1.1× | 1 |
| Tricities Hospital median $17,470 · local Medicare $8,904 · file 2026-09-01 | |||
| Aetna | $20,906 | 2.3× | 3 |
| Cigna | $20,103 | 2.3× | 2 |
| Elevance/Anthem/Empire | $21,784 | 2.4× | 5 |
| Oscar | $14,838 | 1.7× | 1 |
| Pyramid Life | $11,044 | 1.2× | 1 |
| Sentara Optima Health | $21,620 | 2.4× | 3 |
| UnitedHealthcare | $13,578 | 1.5× | 7 |
| Virginia Premier Health | $10,241 | 1.2× | 1 |
| VCU Medical Center median $25,474 · local Medicare $8,904 · file 2026-01-02 | |||
| Aetna | $21,846 | 2.5× | 1 |
| Elevance/Anthem/Empire | $25,474 | 2.9× | 2 |
| UnitedHealthcare | $28,686 | 3.2× | 1 |
| Bon Secours St. Francis Medical Center median $27,530 · local Medicare $8,904 · file 2026-04-01 | |||
| Aetna | $24,307 | 2.7× | 3 |
| BCBS (other) | $27,530 | 3.1× | 3 |
| Cigna | $30,889 | 3.5× | 2 |
| Elevance/Anthem/Empire | $27,530 | 3.1× | 11 |
| UnitedHealthcare | $29,842 | 3.4× | 4 |
| Bon Secours Memorial Regional Medical Center median $29,230 · local Medicare $8,904 · file 2026-04-01 | |||
| Aetna | $24,307 | 2.7× | 3 |
| BCBS (other) | $29,230 | 3.3× | 3 |
| Cigna | $30,889 | 3.5× | 2 |
| Elevance/Anthem/Empire | $29,230 | 3.3× | 11 |
| UnitedHealthcare | $29,842 | 3.4× | 4 |
| Bon Secours St. Mary's Hospital median $30,889 · local Medicare $8,904 · file 2026-04-01 | |||
| Aetna | $24,307 | 2.7× | 3 |
| BCBS (other) | $34,482 | 3.9× | 3 |
| Cigna | $30,889 | 3.5× | 2 |
| Elevance/Anthem/Empire | $34,482 | 3.9× | 13 |
| UnitedHealthcare | $29,842 | 3.4× | 4 |
MS-DRG 292
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Henrico Doctors' Hospital median $10,152 · local Medicare $5,888 · file 2026-09-01 | |||
| Aetna | $17,686 | 3.0× | 3 |
| Bright Health | $8,981 | 1.5× | 2 |
| Cigna | $13,294 | 2.3× | 2 |
| Elevance/Anthem/Empire | $14,883 | 2.5× | 4 |
| Oscar | $9,813 | 1.7× | 1 |
| Pyramid Life | $7,398 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 3.7× | 3 |
| UnitedHealthcare | $10,152 | 1.7× | 8 |
| Virginia Premier Health | $6,860 | 1.2× | 1 |
| CJW Medical Center (Chippenham + Johnston-Willis) median $13,294 · local Medicare $5,888 · file 2026-09-01 | |||
| Aetna | $17,686 | 3.0× | 3 |
| Bright Health | $8,981 | 1.5× | 2 |
| Cigna | $13,294 | 2.3× | 2 |
| Elevance/Anthem/Empire | $13,612 | 2.3× | 4 |
| Oscar | $9,813 | 1.7× | 1 |
| Pyramid Life | $7,411 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 3.7× | 3 |
| UnitedHealthcare | $13,578 | 2.3× | 7 |
| Virginia Premier Health | $6,872 | 1.2× | 1 |
| Tricities Hospital median $13,436 · local Medicare $5,888 · file 2026-09-01 | |||
| Aetna | $18,393 | 3.1× | 3 |
| Cigna | $13,294 | 2.3× | 2 |
| Elevance/Anthem/Empire | $14,406 | 2.4× | 5 |
| Oscar | $9,813 | 1.7× | 1 |
| Pyramid Life | $7,612 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 3.7× | 3 |
| UnitedHealthcare | $13,578 | 2.3× | 7 |
| Virginia Premier Health | $7,059 | 1.2× | 1 |
| VCU Medical Center median $16,813 · local Medicare $5,888 · file 2026-01-02 | |||
| Aetna | $14,582 | 2.5× | 1 |
| Elevance/Anthem/Empire | $16,813 | 2.9× | 2 |
| UnitedHealthcare | $18,933 | 3.2× | 1 |
| Bon Secours St. Francis Medical Center median $18,206 · local Medicare $5,888 · file 2026-04-01 | |||
| Aetna | $16,075 | 2.7× | 3 |
| BCBS (other) | $18,206 | 3.1× | 3 |
| Cigna | $20,427 | 3.5× | 2 |
| Elevance/Anthem/Empire | $18,206 | 3.1× | 11 |
| UnitedHealthcare | $19,735 | 3.4× | 4 |
| Bon Secours Memorial Regional Medical Center median $19,330 · local Medicare $5,888 · file 2026-04-01 | |||
| Aetna | $16,075 | 2.7× | 3 |
| BCBS (other) | $19,330 | 3.3× | 3 |
| Cigna | $20,427 | 3.5× | 2 |
| Elevance/Anthem/Empire | $19,330 | 3.3× | 11 |
| UnitedHealthcare | $19,735 | 3.4× | 4 |
| Bon Secours St. Mary's Hospital median $20,427 · local Medicare $5,888 · file 2026-04-01 | |||
| Aetna | $16,075 | 2.7× | 3 |
| BCBS (other) | $22,803 | 3.9× | 3 |
| Cigna | $20,427 | 3.5× | 2 |
| Elevance/Anthem/Empire | $22,803 | 3.9× | 13 |
| UnitedHealthcare | $19,735 | 3.4× | 4 |
MS-DRG 293
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| CJW Medical Center (Chippenham + Johnston-Willis) median $8,863 · local Medicare $3,926 · file 2026-09-01 | |||
| Aetna | $19,334 | 4.9× | 3 |
| Bright Health | $5,832 | 1.5× | 2 |
| Cigna | $8,863 | 2.3× | 2 |
| Elevance/Anthem/Empire | $9,075 | 2.3× | 4 |
| Oscar | $6,542 | 1.7× | 1 |
| Pyramid Life | $5,122 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 5.5× | 3 |
| UnitedHealthcare | $13,578 | 3.5× | 7 |
| Virginia Premier Health | $4,750 | 1.2× | 1 |
| Henrico Doctors' Hospital median $8,863 · local Medicare $3,926 · file 2026-09-01 | |||
| Aetna | $19,334 | 4.9× | 3 |
| Bright Health | $5,832 | 1.5× | 2 |
| Cigna | $8,863 | 2.3× | 2 |
| Elevance/Anthem/Empire | $9,922 | 2.5× | 4 |
| Oscar | $6,542 | 1.7× | 1 |
| Pyramid Life | $5,132 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 5.5× | 3 |
| UnitedHealthcare | $9,122 | 2.3× | 8 |
| Virginia Premier Health | $4,759 | 1.2× | 1 |
| Tricities Hospital median $9,234 · local Medicare $3,926 · file 2026-09-01 | |||
| Aetna | $20,107 | 5.1× | 3 |
| Cigna | $8,863 | 2.3× | 2 |
| Elevance/Anthem/Empire | $9,604 | 2.4× | 5 |
| Oscar | $6,542 | 1.7× | 1 |
| Pyramid Life | $5,379 | 1.4× | 1 |
| Sentara Optima Health | $21,620 | 5.5× | 3 |
| UnitedHealthcare | $13,578 | 3.5× | 7 |
| Virginia Premier Health | $4,987 | 1.3× | 1 |
| VCU Medical Center median $10,712 · local Medicare $3,926 · file 2026-01-02 | |||
| Aetna | $10,632 | 2.7× | 1 |
| Elevance/Anthem/Empire | $10,712 | 2.7× | 2 |
| UnitedHealthcare | $12,063 | 3.1× | 1 |
| Bon Secours St. Francis Medical Center median $12,137 · local Medicare $3,926 · file 2026-04-01 | |||
| Aetna | $10,717 | 2.7× | 3 |
| BCBS (other) | $12,137 | 3.1× | 3 |
| Cigna | $13,618 | 3.5× | 2 |
| Elevance/Anthem/Empire | $12,137 | 3.1× | 11 |
| UnitedHealthcare | $13,157 | 3.4× | 4 |
| Bon Secours Memorial Regional Medical Center median $12,887 · local Medicare $3,926 · file 2026-04-01 | |||
| Aetna | $6,079 | 1.5× | 2 |
| BCBS (other) | $12,887 | 3.3× | 3 |
| Elevance/Anthem/Empire | $12,887 | 3.3× | 7 |
| UnitedHealthcare | $13,157 | 3.4× | 4 |
| Bon Secours St. Mary's Hospital median $13,202 · local Medicare $3,926 · file 2026-04-01 | |||
| Aetna | $10,717 | 2.7× | 3 |
| BCBS (other) | $14,738 | 3.8× | 3 |
| Cigna | $13,202 | 3.4× | 2 |
| Elevance/Anthem/Empire | $14,738 | 3.8× | 10 |
| UnitedHealthcare | $12,755 | 3.2× | 3 |
Questions
How much does heart failure (hospital stay) cost with commercial insurance in Richmond VA?
7 Richmond VA hospitals post usable commercial rates for inpatient stay (MS-DRG 291). The median across hospitals is $25,474; hospital medians range from $14,838 to $30,889. Your cost depends on your plan's deductible and coinsurance.