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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 |
|---|---|---|---|
| Ascension St Vincent Carmel median $13,700 · local Medicare $6,094 · file 2026-01-01 | |||
| Aetna | $11,231 | 1.8× | 1 |
| Cigna | $15,520 | 2.5× | 4 |
| Elevance/Anthem/Empire | $17,233 | 2.8× | 17 |
| Encore (rental network) | $13,400 | 2.2× | 1 |
| Encore Exclusive (rental network) | $13,400 | 2.2× | 1 |
| Humana | $13,469 | 2.2× | 6 |
| One Health Plan | $11,500 | 1.9× | 1 |
| Prohealth | $7,940 | 1.3× | 3 |
| SIHO PPO | $15,000 | 2.5× | 1 |
| Sagamore Plus Drg | $19,607 | 3.2× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 2.2× | 1 |
| Suburban TPA | $7,940 | 1.3× | 1 |
| Suburban/Sho | $7,940 | 1.3× | 2 |
| Unified Zionsville | $13,965 | 2.3× | 3 |
| UnitedHealthcare | $18,509 | 3.0× | 3 |
| Ascension St Vincent Fishers median $14,732 · local Medicare $6,094 · file 2026-01-01 | |||
| Aetna | $11,231 | 1.8× | 1 |
| Cigna | $15,520 | 2.5× | 4 |
| Elevance/Anthem/Empire | $17,233 | 2.8× | 17 |
| Encore (rental network) | $13,400 | 2.2× | 1 |
| Encore Exclusive (rental network) | $13,400 | 2.2× | 1 |
| Humana | $15,002 | 2.5× | 4 |
| One Health Plan | $11,500 | 1.9× | 1 |
| Prohealth | $7,940 | 1.3× | 3 |
| SIHO PPO | $15,000 | 2.5× | 1 |
| Sagamore Plus Drg | $19,607 | 3.2× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 2.2× | 1 |
| Suburban/Sho | $7,940 | 1.3× | 2 |
| Unified Zionsville | $14,464 | 2.4× | 2 |
| UnitedHealthcare | $18,509 | 3.0× | 3 |
| Hendricks Regional Health median $14,752 · local Medicare $6,094 · file 2026-05-20 | |||
| Cigna | $24,777 | 4.1× | 1 |
| Elevance/Anthem/Empire | $10,458 | 1.7× | 3 |
| Sagamore Health Incumbent Program | $14,752 | 2.4× | 1 |
| SagamoreHealth Network | $15,528 | 2.5× | 1 |
| UnitedHealthcare | $11,705 | 1.9× | 2 |
| Ascension St Vincent Anderson median $15,000 · local Medicare $6,094 · file 2026-01-01 | |||
| Aetna | $11,231 | 1.8× | 1 |
| Cigna | $17,562 | 2.9× | 3 |
| Elevance/Anthem/Empire | $15,894 | 2.6× | 12 |
| Encore (rental network) | $13,400 | 2.2× | 1 |
| Encore Exclusive (rental network) | $13,400 | 2.2× | 1 |
| Humana | $15,002 | 2.5× | 4 |
| One Health Plan | $11,500 | 1.9× | 1 |
| Prohealth | $7,940 | 1.3× | 3 |
| SIHO PPO | $15,000 | 2.5× | 1 |
| Sagamore Plus Drg | $19,607 | 3.2× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 2.2× | 1 |
| Suburban/Sho | $7,940 | 1.3× | 3 |
| Unified Group Services | $18,211 | 3.0× | 1 |
| Unified Zionsville | $13,965 | 2.3× | 3 |
| UnitedHealthcare | $18,509 | 3.0× | 1 |
| Franciscan Health Mooresville median $18,269 · local Medicare $6,094 · file 2026-01-01 | |||
| Aetna | $20,476 | 3.4× | 3 |
| BCBS (other) | $18,269 | 3.0× | 1 |
| BCBS IL | $18,269 | 3.0× | 1 |
| Elevance/Anthem/Empire | $18,269 | 3.0× | 7 |
| UnitedHealthcare | $15,831 | 2.6× | 7 |
| Franciscan Health Indianapolis median $18,269 · local Medicare $6,094 · file 2026-01-01 | |||
| Aetna | $20,476 | 3.4× | 3 |
| BCBS (other) | $18,269 | 3.0× | 1 |
| BCBS IL | $18,269 | 3.0× | 1 |
| Elevance/Anthem/Empire | $18,269 | 3.0× | 7 |
| UnitedHealthcare | $15,831 | 2.6× | 6 |
MS-DRG 193
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Ascension St Vincent Carmel median $13,700 · local Medicare $9,940 · file 2026-01-01 | |||
| Aetna | $11,231 | 1.1× | 1 |
| Cigna | $15,520 | 1.6× | 4 |
| Elevance/Anthem/Empire | $17,233 | 1.7× | 17 |
| Encore (rental network) | $13,400 | 1.3× | 1 |
| Encore Exclusive (rental network) | $13,400 | 1.3× | 1 |
| Humana | $13,469 | 1.4× | 6 |
| One Health Plan | $11,500 | 1.2× | 1 |
| Prohealth | $7,940 | 0.8× | 3 |
| SIHO PPO | $15,000 | 1.5× | 1 |
| Sagamore Plus Drg | $19,607 | 2.0× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 1.4× | 1 |
| Suburban TPA | $7,940 | 0.8× | 1 |
| Suburban/Sho | $7,940 | 0.8× | 2 |
| Unified Zionsville | $13,965 | 1.4× | 3 |
| UnitedHealthcare | $18,509 | 1.9× | 3 |
| Ascension St Vincent Fishers median $14,732 · local Medicare $9,940 · file 2026-01-01 | |||
| Aetna | $11,231 | 1.1× | 1 |
| Cigna | $15,520 | 1.6× | 4 |
| Elevance/Anthem/Empire | $17,233 | 1.7× | 17 |
| Encore (rental network) | $13,400 | 1.3× | 1 |
| Encore Exclusive (rental network) | $13,400 | 1.3× | 1 |
| Humana | $15,002 | 1.5× | 4 |
| One Health Plan | $11,500 | 1.2× | 1 |
| Prohealth | $7,940 | 0.8× | 3 |
| SIHO PPO | $15,000 | 1.5× | 1 |
| Sagamore Plus Drg | $19,607 | 2.0× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 1.4× | 1 |
| Suburban/Sho | $7,940 | 0.8× | 2 |
| Unified Zionsville | $14,464 | 1.5× | 2 |
| UnitedHealthcare | $18,509 | 1.9× | 3 |
| Ascension St Vincent Anderson median $15,000 · local Medicare $9,940 · file 2026-01-01 | |||
| Aetna | $11,231 | 1.1× | 1 |
| Cigna | $17,562 | 1.8× | 3 |
| Elevance/Anthem/Empire | $15,894 | 1.6× | 12 |
| Encore (rental network) | $13,400 | 1.3× | 1 |
| Encore Exclusive (rental network) | $13,400 | 1.3× | 1 |
| Humana | $15,002 | 1.5× | 4 |
| One Health Plan | $11,500 | 1.2× | 1 |
| Prohealth | $7,940 | 0.8× | 3 |
| SIHO PPO | $15,000 | 1.5× | 1 |
| Sagamore Plus Drg | $19,607 | 2.0× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 1.4× | 1 |
| Suburban/Sho | $7,940 | 0.8× | 3 |
| Unified Group Services | $18,211 | 1.8× | 1 |
| Unified Zionsville | $13,965 | 1.4× | 3 |
| UnitedHealthcare | $18,509 | 1.9× | 1 |
| Hendricks Regional Health median $24,060 · local Medicare $9,940 · file 2026-05-20 | |||
| Cigna | $40,410 | 4.1× | 1 |
| Elevance/Anthem/Empire | $17,057 | 1.7× | 3 |
| Sagamore Health Incumbent Program | $24,060 | 2.4× | 1 |
| SagamoreHealth Network | $25,326 | 2.5× | 1 |
| UnitedHealthcare | $19,090 | 1.9× | 2 |
| Franciscan Health Mooresville median $29,796 · local Medicare $9,940 · file 2026-01-01 | |||
| Aetna | $33,396 | 3.4× | 3 |
| BCBS (other) | $29,796 | 3.0× | 1 |
| BCBS IL | $29,796 | 3.0× | 1 |
| Elevance/Anthem/Empire | $29,796 | 3.0× | 7 |
| UnitedHealthcare | $25,820 | 2.6× | 7 |
| Franciscan Health Indianapolis median $29,796 · local Medicare $9,940 · file 2026-01-01 | |||
| Aetna | $33,396 | 3.4× | 3 |
| BCBS (other) | $29,796 | 3.0× | 1 |
| BCBS IL | $29,796 | 3.0× | 1 |
| Elevance/Anthem/Empire | $29,796 | 3.0× | 7 |
| UnitedHealthcare | $25,820 | 2.6× | 6 |
MS-DRG 195
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Hendricks Regional Health median $11,505 · local Medicare $4,753 · file 2026-05-20 | |||
| Cigna | $19,323 | 4.1× | 1 |
| Elevance/Anthem/Empire | $8,156 | 1.7× | 3 |
| Sagamore Health Incumbent Program | $11,505 | 2.4× | 1 |
| SagamoreHealth Network | $12,110 | 2.5× | 1 |
| UnitedHealthcare | $9,128 | 1.9× | 2 |
| Ascension St Vincent Carmel median $13,700 · local Medicare $4,753 · file 2026-01-01 | |||
| Aetna | $11,231 | 2.4× | 1 |
| Cigna | $15,520 | 3.3× | 4 |
| Elevance/Anthem/Empire | $17,233 | 3.6× | 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 | 1.7× | 3 |
| SIHO PPO | $15,000 | 3.2× | 1 |
| Sagamore Plus Drg | $19,607 | 4.1× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 2.9× | 1 |
| Suburban TPA | $7,940 | 1.7× | 1 |
| Suburban/Sho | $7,940 | 1.7× | 2 |
| Unified Zionsville | $13,965 | 2.9× | 3 |
| UnitedHealthcare | $18,509 | 3.9× | 3 |
| Franciscan Health Mooresville median $14,247 · local Medicare $4,753 · file 2026-01-01 | |||
| Aetna | $15,969 | 3.4× | 3 |
| BCBS (other) | $14,247 | 3.0× | 1 |
| BCBS IL | $14,247 | 3.0× | 1 |
| Elevance/Anthem/Empire | $14,247 | 3.0× | 7 |
| UnitedHealthcare | $12,346 | 2.6× | 7 |
| Franciscan Health Indianapolis median $14,247 · local Medicare $4,753 · file 2026-01-01 | |||
| Aetna | $15,969 | 3.4× | 3 |
| BCBS (other) | $14,247 | 3.0× | 1 |
| BCBS IL | $14,247 | 3.0× | 1 |
| Elevance/Anthem/Empire | $14,247 | 3.0× | 7 |
| UnitedHealthcare | $12,346 | 2.6× | 6 |
| Ascension St Vincent Fishers median $14,732 · local Medicare $4,753 · file 2026-01-01 | |||
| Aetna | $11,231 | 2.4× | 1 |
| Cigna | $15,520 | 3.3× | 4 |
| Elevance/Anthem/Empire | $17,233 | 3.6× | 17 |
| Encore (rental network) | $13,400 | 2.8× | 1 |
| Encore Exclusive (rental network) | $13,400 | 2.8× | 1 |
| Humana | $15,002 | 3.2× | 4 |
| One Health Plan | $11,500 | 2.4× | 1 |
| Prohealth | $7,940 | 1.7× | 3 |
| SIHO PPO | $15,000 | 3.2× | 1 |
| Sagamore Plus Drg | $19,607 | 4.1× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 2.9× | 1 |
| Suburban/Sho | $7,940 | 1.7× | 2 |
| Unified Zionsville | $14,464 | 3.0× | 2 |
| UnitedHealthcare | $18,509 | 3.9× | 3 |
| Ascension St Vincent Anderson median $15,000 · local Medicare $4,753 · file 2026-01-01 | |||
| Aetna | $11,231 | 2.4× | 1 |
| Cigna | $17,562 | 3.7× | 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 | 3.2× | 4 |
| One Health Plan | $11,500 | 2.4× | 1 |
| Prohealth | $7,940 | 1.7× | 3 |
| SIHO PPO | $15,000 | 3.2× | 1 |
| Sagamore Plus Drg | $19,607 | 4.1× | 1 |
| Smarthealth PPO/Hdhp 20161001 | $13,700 | 2.9× | 1 |
| Suburban/Sho | $7,940 | 1.7× | 3 |
| Unified Group Services | $18,211 | 3.8× | 1 |
| Unified Zionsville | $13,965 | 2.9× | 3 |
| UnitedHealthcare | $18,509 | 3.9× | 1 |
Questions
How much does pneumonia (hospital stay) cost with commercial insurance in Indianapolis IN?
6 Indianapolis IN hospitals post usable commercial rates for inpatient stay (MS-DRG 194). The median across hospitals is $14,876; hospital medians range from $13,700 to $18,269. Your cost depends on your plan's deductible and coinsurance.