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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 194
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Spotsylvania Regional Medical Center median $7,384 · local Medicare $5,946 · file 2026-09-01 | |||
| Aetna | $6,893 | 1.2× | 1 |
| Bright Health | $8,746 | 1.5× | 2 |
| Cigna | $22,323 | 3.8× | 2 |
| Elevance/Anthem/Empire | $7,384 | 1.2× | 5 |
| Sentara Optima Health | $21,620 | 3.6× | 3 |
| UnitedHealthcare | $6,718 | 1.1× | 4 |
| Virginia Premier Health | $6,883 | 1.2× | 1 |
| Reston Hospital Center median $9,241 · local Medicare $5,946 · file 2026-09-01 | |||
| Aetna | $7,153 | 1.2× | 1 |
| Bright Health | $9,241 | 1.6× | 2 |
| CareFirst BCBS | $12,523 | 2.1× | 2 |
| Cigna | $22,323 | 3.8× | 2 |
| Elevance/Anthem/Empire | $10,946 | 1.8× | 5 |
| Pyramid Life | $7,704 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 3.6× | 2 |
| UnitedHealthcare | $7,004 | 1.2× | 3 |
| Virginia Premier Health | $7,144 | 1.2× | 1 |
| Stonesprings Hospital Center median $10,477 · local Medicare $5,946 · file 2026-09-01 | |||
| Aetna | $7,463 | 1.3× | 1 |
| Bright Health | $9,241 | 1.6× | 2 |
| CareFirst BCBS | $12,523 | 2.1× | 2 |
| Cigna | $22,323 | 3.8× | 2 |
| Elevance/Anthem/Empire | $11,713 | 2.0× | 5 |
| Sentara Optima Health | $21,620 | 3.6× | 2 |
| UnitedHealthcare | $7,307 | 1.2× | 3 |
| Virginia Premier Health | $7,453 | 1.3× | 1 |
| George Washington Univ Hospital median $14,406 · local Medicare $6,873 · file 2026-09-01 | |||
| Aetna | $16,551 | 2.4× | 1 |
| Cigna | $14,021 | 2.0× | 2 |
| Elevance/Anthem/Empire | $14,653 | 2.1× | 2 |
| Mdipa | $14,160 | 2.1× | 1 |
| Medstar | $10,185 | 1.5× | 1 |
| UnitedHealthcare | $23,917 | 3.5× | 2 |
| Medstar Georgetown University Hospital median $15,122 · local Medicare $6,873 · file 2026-04-01 | |||
| Aetna | $26,888 | 3.9× | 1 |
| CareFirst BCBS | $15,122 | 2.2× | 2 |
| Cigna | $23,042 | 3.4× | 2 |
| Health Care Service Corporation | $8,030 | 1.2× | 1 |
| UnitedHealthcare | $12,331 | 1.8× | 4 |
| Inova Alexandria Hospital median $16,077 · local Medicare $5,946 · file 2026-04-01 | |||
| Aetna | $16,077 | 2.7× | 3 |
| CareFirst BCBS | $13,574 | 2.3× | 2 |
| Cigna | $17,821 | 3.0× | 2 |
| Elevance/Anthem/Empire | $15,455 | 2.6× | 2 |
| Innovation | $15,032 | 2.5× | 2 |
| Sentara Health | $17,140 | 2.9× | 2 |
| UnitedHealthcare | $21,905 | 3.7× | 2 |
| Inova Mount Vernon Hospital median $16,083 · local Medicare $5,946 · file 2026-04-01 | |||
| Aetna | $16,077 | 2.7× | 3 |
| CareFirst BCBS | $13,574 | 2.3× | 2 |
| Cigna | $17,821 | 3.0× | 2 |
| Elevance/Anthem/Empire | $16,083 | 2.7× | 2 |
| Innovation | $15,032 | 2.5× | 2 |
| Sentara Health | $17,140 | 2.9× | 2 |
| UnitedHealthcare | $21,905 | 3.7× | 2 |
| Inova Loudoun Hospital median $16,492 · local Medicare $5,946 · file 2026-04-01 | |||
| Aetna | $16,077 | 2.7× | 3 |
| CareFirst BCBS | $13,574 | 2.3× | 2 |
| Cigna | $17,821 | 3.0× | 2 |
| Elevance/Anthem/Empire | $16,492 | 2.8× | 2 |
| Innovation | $15,032 | 2.5× | 2 |
| Sentara Health | $17,140 | 2.9× | 2 |
| UnitedHealthcare | $21,905 | 3.7× | 2 |
| Inova Fairfax Hospital median $16,653 · local Medicare $5,946 · file 2026-04-01 | |||
| Aetna | $16,623 | 2.8× | 3 |
| CareFirst BCBS | $14,566 | 2.4× | 2 |
| Cigna | $18,083 | 3.0× | 2 |
| Elevance/Anthem/Empire | $16,653 | 2.8× | 2 |
| Innovation | $15,585 | 2.6× | 2 |
| Sentara Health | $18,631 | 3.1× | 2 |
| UnitedHealthcare | $22,175 | 3.7× | 2 |
| Inova Fair Oaks Hospital median $16,802 · local Medicare $5,946 · file 2026-04-01 | |||
| Aetna | $16,077 | 2.7× | 3 |
| CareFirst BCBS | $13,574 | 2.3× | 2 |
| Cigna | $17,821 | 3.0× | 2 |
| Elevance/Anthem/Empire | $16,802 | 2.8× | 2 |
| Innovation | $15,032 | 2.5× | 2 |
| Sentara Health | $17,140 | 2.9× | 2 |
| UnitedHealthcare | $21,905 | 3.7× | 2 |
| Medstar Washington Hospital Center median $16,969 · local Medicare $6,873 · file 2026-04-01 | |||
| Aetna | $22,107 | 3.2× | 1 |
| CareFirst BCBS | $13,314 | 1.9× | 2 |
| Cigna | $21,933 | 3.2× | 2 |
| Health Care Service Corporation | $8,421 | 1.2× | 1 |
| Kaiser Permanente | $16,969 | 2.5× | 1 |
| Mamsi | $20,425 | 3.0× | 1 |
| UnitedHealthcare | $14,901 | 2.2× | 4 |
MS-DRG 193
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Spotsylvania Regional Medical Center median $12,044 · local Medicare $9,698 · file 2026-09-01 | |||
| Aetna | $10,793 | 1.1× | 1 |
| Bright Health | $13,518 | 1.4× | 2 |
| Cigna | $22,323 | 2.3× | 2 |
| Elevance/Anthem/Empire | $12,044 | 1.2× | 5 |
| Sentara Optima Health | $21,620 | 2.2× | 3 |
| UnitedHealthcare | $10,414 | 1.1× | 4 |
| Virginia Premier Health | $10,778 | 1.1× | 1 |
| Reston Hospital Center median $14,284 · local Medicare $9,698 · file 2026-09-01 | |||
| Aetna | $11,160 | 1.2× | 1 |
| Bright Health | $14,284 | 1.5× | 2 |
| CareFirst BCBS | $20,424 | 2.1× | 2 |
| Cigna | $22,323 | 2.3× | 2 |
| Elevance/Anthem/Empire | $17,852 | 1.8× | 5 |
| Pyramid Life | $12,018 | 1.2× | 1 |
| Sentara Optima Health | $21,620 | 2.2× | 2 |
| UnitedHealthcare | $10,380 | 1.1× | 3 |
| Virginia Premier Health | $11,144 | 1.1× | 1 |
| Stonesprings Hospital Center median $16,694 · local Medicare $9,698 · file 2026-09-01 | |||
| Aetna | $11,377 | 1.2× | 1 |
| Bright Health | $14,284 | 1.5× | 2 |
| CareFirst BCBS | $20,424 | 2.1× | 2 |
| Cigna | $22,323 | 2.3× | 2 |
| Elevance/Anthem/Empire | $19,103 | 2.0× | 5 |
| Sentara Optima Health | $21,620 | 2.2× | 2 |
| UnitedHealthcare | $10,582 | 1.1× | 3 |
| Virginia Premier Health | $11,361 | 1.2× | 1 |
| George Washington Univ Hospital median $23,496 · local Medicare $11,209 · file 2026-09-01 | |||
| Aetna | $26,994 | 2.4× | 1 |
| Cigna | $22,868 | 2.0× | 2 |
| Elevance/Anthem/Empire | $23,898 | 2.1× | 2 |
| Mdipa | $23,095 | 2.1× | 1 |
| Medstar | $16,244 | 1.4× | 1 |
| UnitedHealthcare | $39,007 | 3.5× | 2 |
| Medstar Georgetown University Hospital median $24,663 · local Medicare $11,209 · file 2026-04-01 | |||
| Aetna | $43,854 | 3.9× | 1 |
| CareFirst BCBS | $24,663 | 2.2× | 2 |
| Cigna | $37,581 | 3.4× | 2 |
| Health Care Service Corporation | $12,796 | 1.1× | 1 |
| UnitedHealthcare | $19,967 | 1.8× | 4 |
| Inova Alexandria Hospital median $25,835 · local Medicare $9,698 · file 2026-04-01 | |||
| Aetna | $25,835 | 2.7× | 3 |
| CareFirst BCBS | $22,138 | 2.3× | 2 |
| Cigna | $28,638 | 3.0× | 2 |
| Elevance/Anthem/Empire | $24,836 | 2.6× | 2 |
| Innovation | $24,155 | 2.5× | 2 |
| Sentara Health | $27,544 | 2.8× | 2 |
| UnitedHealthcare | $35,200 | 3.6× | 2 |
| Inova Mount Vernon Hospital median $25,844 · local Medicare $9,698 · file 2026-04-01 | |||
| Aetna | $25,835 | 2.7× | 3 |
| CareFirst BCBS | $22,138 | 2.3× | 2 |
| Cigna | $28,638 | 3.0× | 2 |
| Elevance/Anthem/Empire | $25,844 | 2.7× | 2 |
| Innovation | $24,155 | 2.5× | 2 |
| Sentara Health | $27,544 | 2.8× | 2 |
| UnitedHealthcare | $35,200 | 3.6× | 2 |
| Inova Loudoun Hospital median $26,502 · local Medicare $9,698 · file 2026-04-01 | |||
| Aetna | $25,835 | 2.7× | 3 |
| CareFirst BCBS | $22,138 | 2.3× | 2 |
| Cigna | $28,638 | 3.0× | 2 |
| Elevance/Anthem/Empire | $26,502 | 2.7× | 2 |
| Innovation | $24,155 | 2.5× | 2 |
| Sentara Health | $27,544 | 2.8× | 2 |
| UnitedHealthcare | $35,200 | 3.6× | 2 |
| Inova Fairfax Hospital median $26,760 · local Medicare $9,698 · file 2026-04-01 | |||
| Aetna | $26,712 | 2.8× | 3 |
| CareFirst BCBS | $23,756 | 2.4× | 2 |
| Cigna | $29,059 | 3.0× | 2 |
| Elevance/Anthem/Empire | $26,760 | 2.8× | 2 |
| Innovation | $25,044 | 2.6× | 2 |
| Sentara Health | $29,939 | 3.1× | 2 |
| UnitedHealthcare | $35,635 | 3.7× | 2 |
| Inova Fair Oaks Hospital median $27,000 · local Medicare $9,698 · file 2026-04-01 | |||
| Aetna | $25,835 | 2.7× | 3 |
| CareFirst BCBS | $22,138 | 2.3× | 2 |
| Cigna | $28,638 | 3.0× | 2 |
| Elevance/Anthem/Empire | $27,000 | 2.8× | 2 |
| Innovation | $24,155 | 2.5× | 2 |
| Sentara Health | $27,544 | 2.8× | 2 |
| UnitedHealthcare | $35,200 | 3.6× | 2 |
| Medstar Washington Hospital Center median $27,676 · local Medicare $11,209 · file 2026-04-01 | |||
| Aetna | $36,055 | 3.2× | 1 |
| CareFirst BCBS | $21,715 | 1.9× | 2 |
| Cigna | $35,771 | 3.2× | 2 |
| Health Care Service Corporation | $13,290 | 1.2× | 1 |
| Kaiser Permanente | $27,676 | 2.5× | 1 |
| Mamsi | $33,312 | 3.0× | 1 |
| UnitedHealthcare | $24,089 | 2.1× | 4 |
MS-DRG 195
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Spotsylvania Regional Medical Center median $5,759 · local Medicare $4,637 · file 2026-09-01 | |||
| Aetna | $5,532 | 1.2× | 1 |
| Bright Health | $6,680 | 1.4× | 2 |
| Cigna | $22,323 | 4.8× | 2 |
| Elevance/Anthem/Empire | $5,759 | 1.2× | 5 |
| Sentara Optima Health | $21,620 | 4.7× | 3 |
| UnitedHealthcare | $5,416 | 1.2× | 4 |
| Virginia Premier Health | $5,525 | 1.2× | 1 |
| Reston Hospital Center median $7,059 · local Medicare $4,637 · file 2026-09-01 | |||
| Aetna | $5,756 | 1.2× | 1 |
| Bright Health | $7,059 | 1.5× | 2 |
| CareFirst BCBS | $9,766 | 2.1× | 2 |
| Cigna | $22,323 | 4.8× | 2 |
| Elevance/Anthem/Empire | $8,536 | 1.8× | 5 |
| Pyramid Life | $6,199 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 4.7× | 2 |
| UnitedHealthcare | $5,635 | 1.2× | 3 |
| Virginia Premier Health | $5,748 | 1.2× | 1 |
| Stonesprings Hospital Center median $8,097 · local Medicare $4,637 · file 2026-09-01 | |||
| Aetna | $6,098 | 1.3× | 1 |
| Bright Health | $7,059 | 1.5× | 2 |
| CareFirst BCBS | $9,766 | 2.1× | 2 |
| Cigna | $22,323 | 4.8× | 2 |
| Elevance/Anthem/Empire | $9,135 | 2.0× | 5 |
| Sentara Optima Health | $21,620 | 4.7× | 2 |
| UnitedHealthcare | $5,970 | 1.3× | 3 |
| Virginia Premier Health | $6,089 | 1.3× | 1 |
| George Washington Univ Hospital median $11,235 · local Medicare $5,360 · file 2026-09-01 | |||
| Aetna | $12,908 | 2.4× | 1 |
| Cigna | $10,935 | 2.0× | 2 |
| Elevance/Anthem/Empire | $11,427 | 2.1× | 2 |
| Mdipa | $11,043 | 2.1× | 1 |
| Medstar | $8,071 | 1.5× | 1 |
| UnitedHealthcare | $18,652 | 3.5× | 2 |
| Medstar Georgetown University Hospital median $11,793 · local Medicare $5,360 · file 2026-04-01 | |||
| Aetna | $20,969 | 3.9× | 1 |
| CareFirst BCBS | $11,793 | 2.2× | 2 |
| Cigna | $17,970 | 3.4× | 2 |
| Health Care Service Corporation | $6,367 | 1.2× | 1 |
| UnitedHealthcare | $9,667 | 1.8× | 4 |
| Inova Alexandria Hospital median $12,209 · local Medicare $4,637 · file 2026-04-01 | |||
| Aetna | $12,209 | 2.6× | 3 |
| CareFirst BCBS | $10,586 | 2.3× | 2 |
| Cigna | $13,533 | 2.9× | 2 |
| Elevance/Anthem/Empire | $11,737 | 2.5× | 2 |
| Innovation | $11,415 | 2.5× | 2 |
| Sentara Health | $13,016 | 2.8× | 2 |
| UnitedHealthcare | $16,634 | 3.6× | 2 |
| Inova Mount Vernon Hospital median $12,213 · local Medicare $4,637 · file 2026-04-01 | |||
| Aetna | $12,209 | 2.6× | 3 |
| CareFirst BCBS | $10,586 | 2.3× | 2 |
| Cigna | $13,533 | 2.9× | 2 |
| Elevance/Anthem/Empire | $12,213 | 2.6× | 2 |
| Innovation | $11,415 | 2.5× | 2 |
| Sentara Health | $13,016 | 2.8× | 2 |
| UnitedHealthcare | $16,634 | 3.6× | 2 |
| Inova Loudoun Hospital median $12,524 · local Medicare $4,637 · file 2026-04-01 | |||
| Aetna | $12,209 | 2.6× | 3 |
| CareFirst BCBS | $10,586 | 2.3× | 2 |
| Cigna | $13,533 | 2.9× | 2 |
| Elevance/Anthem/Empire | $12,524 | 2.7× | 2 |
| Innovation | $11,415 | 2.5× | 2 |
| Sentara Health | $13,016 | 2.8× | 2 |
| UnitedHealthcare | $16,634 | 3.6× | 2 |
| Inova Fairfax Hospital median $12,646 · local Medicare $4,637 · file 2026-04-01 | |||
| Aetna | $12,623 | 2.7× | 3 |
| CareFirst BCBS | $11,360 | 2.4× | 2 |
| Cigna | $13,732 | 3.0× | 2 |
| Elevance/Anthem/Empire | $12,646 | 2.7× | 2 |
| Innovation | $11,835 | 2.6× | 2 |
| Sentara Health | $14,148 | 3.1× | 2 |
| UnitedHealthcare | $16,840 | 3.6× | 2 |
| Inova Fair Oaks Hospital median $12,759 · local Medicare $4,637 · file 2026-04-01 | |||
| Aetna | $12,209 | 2.6× | 3 |
| CareFirst BCBS | $10,586 | 2.3× | 2 |
| Cigna | $13,533 | 2.9× | 2 |
| Elevance/Anthem/Empire | $12,759 | 2.8× | 2 |
| Innovation | $11,415 | 2.5× | 2 |
| Sentara Health | $13,016 | 2.8× | 2 |
| UnitedHealthcare | $16,634 | 3.6× | 2 |
| Medstar Washington Hospital Center median $13,234 · local Medicare $5,360 · file 2026-04-01 | |||
| Aetna | $17,240 | 3.2× | 1 |
| CareFirst BCBS | $10,383 | 1.9× | 2 |
| Cigna | $17,105 | 3.2× | 2 |
| Health Care Service Corporation | $6,723 | 1.3× | 1 |
| Kaiser Permanente | $13,234 | 2.5× | 1 |
| Mamsi | $15,929 | 3.0× | 1 |
| UnitedHealthcare | $11,695 | 2.2× | 4 |
Questions
How much does pneumonia (hospital stay) cost with commercial insurance in Washington DC?
11 Washington DC hospitals post usable commercial rates for inpatient stay (MS-DRG 194). The median across hospitals is $16,077; hospital medians range from $7,384 to $16,969. Your cost depends on your plan's deductible and coinsurance.