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Pneumonia (hospital stay) in Florida: what insurers pay

Posted commercial rates at 15 Florida hospitals, each next to its own Medicare base rate.

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MS-DRG 194

HospitalMedian across insurers× MedicareInsurersFile date
Cleveland Clinic Hospital Weston$9,8441.6×42026-06-15
Tampa General Hospital Brooksville Brooksville$12,7942.1×42026-04-01
Mount Sinai Medical Center Of Florida, Inc Miami Beach$12,8862.1×32026-03-13
Jackson Memorial Hospital Miami$15,0462.5×52026-09-23
Adventhealth Wesley Chapel Wesley Chapel$15,5392.6×42026-04-01
Adventhealth Zephyrhills Zephyrhills$16,7292.8×42026-04-01
Morton Plant Hospital Clearwater$16,7772.8×52026-01-01
Mease Dunedin Hospital Dunedin$16,7772.8×52026-01-01
South Florida Baptist Hospital Plant City$16,7772.8×52026-01-01
Mease Countryside Hospital Safety Harbor$16,7772.8×52026-01-01
Tampa General Hospital Tampa$17,0882.8×42026-04-01
Adventhealth Tampa Tampa$17,4212.9×42026-04-01
Adventhealth Carrollwood Tampa$19,1553.2×42026-04-01
Adventhealth North Pinellas Tarpon Springs$19,6683.3×32026-04-01
Orlando Health Orlando Regional Medical Center Orlando$23,7864.0×42026-04-01

MS-DRG 193

HospitalMedian across insurers× MedicareInsurersFile date
Cleveland Clinic Hospital Weston$16,0541.6×42026-06-15
Mount Sinai Medical Center Of Florida, Inc Miami Beach$21,0172.1×32026-03-13
Tampa General Hospital Tampa$26,6322.7×42026-04-01
Morton Plant Hospital Clearwater$26,9602.8×52026-01-01
Adventhealth Tampa Tampa$28,4122.9×42026-04-01
Adventhealth Carrollwood Tampa$31,2423.2×42026-04-01
Orlando Health Orlando Regional Medical Center Orlando$38,2263.9×42026-04-01

MS-DRG 195

HospitalMedian across insurers× MedicareInsurersFile date
Cleveland Clinic Hospital Weston$7,6771.6×42026-06-15
Mount Sinai Medical Center Of Florida, Inc Miami Beach$10,0492.1×32026-03-13
Morton Plant Hospital Clearwater$12,7402.7×52026-01-01
Tampa General Hospital Tampa$12,9792.8×42026-04-01
Adventhealth Tampa Tampa$13,5862.9×42026-04-01
Adventhealth Carrollwood Tampa$14,9393.2×42026-04-01
Orlando Health Orlando Regional Medical Center Orlando$18,0663.9×42026-04-01

Questions

How much do insurers pay for pneumonia (hospital stay) in Florida?

15 Florida hospitals post usable commercial rates for pneumonia (hospital stay) in their federal price-transparency files. For inpatient stay (MS-DRG 194), the median across 15 hospitals is $16,777, 2.8× each hospital's local Medicare base rate. Your share depends on your plan's deductible and coinsurance; the surgeon and anesthesia bill separately.