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Pneumonia (hospital stay) in Nashville TN

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 · insurerRate× MedicarePlans
TriStar Skyline Medical Center median $8,346 · local Medicare $5,492 · file 2026-09-01
Aetna$8,2381.5×5
BCBS TN$8,8521.6×2
Cigna$35,6336.5×2
Elevance/Anthem/Empire$5,6281.0×1
Humana$8,1561.5×1
MultiPlan/PHCS (rental network)$13,9182.5×1
Oscar$9,2661.7×1
UnitedHealthcare$8,3461.5×5
TriStar Summit Medical Center median $9,008 · local Medicare $5,492 · file 2026-09-01
Aetna$7,0801.3×5
BCBS TN$9,0081.6×2
Cigna$35,6336.5×2
Elevance/Anthem/Empire$4,9070.9×1
Humana$7,0101.3×1
MultiPlan/PHCS (rental network)$11,0322.0×1
Oscar$9,2661.7×1
UnitedHealthcare$9,9951.8×5
TriStar StoneCrest Medical Center median $9,266 · local Medicare $5,492 · file 2026-09-01
Aetna$8,0701.5×5
BCBS TN$13,1092.4×1
Cigna$35,6336.5×2
Elevance/Anthem/Empire$5,5931.0×1
Humana$7,9901.5×1
Oscar$9,2661.7×1
UnitedHealthcare$9,9951.8×5
TriStar Hendersonville Medical Center median $9,266 · local Medicare $5,492 · file 2026-09-01
Aetna$7,0441.3×5
BCBS TN$13,1092.4×1
Cigna$35,6336.5×2
Elevance/Anthem/Empire$4,8820.9×1
Humana$6,9741.3×1
Oscar$9,2661.7×1
UnitedHealthcare$9,9951.8×5
Ascension Saint Thomas Hospital (Midtown + West) median $10,438 · local Medicare $5,492 · file 2026-01-01
Aetna$19,9703.6×5
BCBS TN$9,2641.7×14
Cigna$9,6101.7×20
Humana$11,2672.1×2
MultiPlan/PHCS (rental network)$13,2882.4×2
Oscar$8,2721.5×2
UnitedHealthcare$15,9742.9×7
Ascension Saint Thomas Rutherford median $10,910 · local Medicare $5,492 · file 2026-01-01
Aetna$20,3003.7×4
BCBS TN$7,7391.4×9
Cigna$10,0261.8×16
Humana$11,7942.1×1
Oscar$8,3691.5×2
UnitedHealthcare$15,9742.9×6
Vanderbilt Wilson County Hospital median $11,370 · local Medicare $5,492 · file 2025-10-01
Aetna$11,3702.1×5
BCBS TN$10,8972.0×2
Cigna$10,7562.0×3
MultiPlan/PHCS (rental network)$11,4932.1×1
Oscar$17,2273.1×1
UnitedHealthcare$13,3052.4×5
Vanderbilt University Medical Center median $14,141 · local Medicare $5,492 · file 2025-10-01
Aetna$14,1412.6×9
BCBS TN$12,2672.2×4
Cigna$12,9682.4×5
MultiPlan/PHCS (rental network)$12,8532.3×2
Oscar$17,2273.1×1
UnitedHealthcare$16,7733.1×10

MS-DRG 193

Hospital · insurerRate× MedicarePlans
TriStar StoneCrest Medical Center median $11,711 · local Medicare $8,957 · file 2026-09-01
Aetna$11,7111.3×5
BCBS TN$23,7002.6×1
Cigna$35,6334.0×2
Elevance/Anthem/Empire$8,1170.9×1
Humana$11,5951.3×1
Oscar$15,1131.7×1
UnitedHealthcare$11,3281.3×5
Ascension Saint Thomas Hospital (Midtown + West) median $13,952 · local Medicare $8,957 · file 2026-01-01
Aetna$19,9702.2×5
BCBS TN$14,0131.6×14
Cigna$13,8911.6×20
Humana$11,2671.3×2
MultiPlan/PHCS (rental network)$13,2881.5×2
Oscar$8,2720.9×2
UnitedHealthcare$15,9741.8×7
Ascension Saint Thomas Rutherford median $14,932 · local Medicare $8,957 · file 2026-01-01
Aetna$20,3002.3×4
BCBS TN$17,4111.9×9
Cigna$13,8911.6×16
Humana$11,7941.3×1
Oscar$8,3690.9×2
UnitedHealthcare$15,9741.8×6
Vanderbilt University Medical Center median $23,064 · local Medicare $8,957 · file 2025-10-01
Aetna$23,0642.6×9
BCBS TN$22,1762.5×4
Cigna$20,8392.3×5
MultiPlan/PHCS (rental network)$20,9632.3×2
Oscar$28,0973.1×1
UnitedHealthcare$27,3563.1×10

MS-DRG 195

Hospital · insurerRate× MedicarePlans
TriStar StoneCrest Medical Center median $7,012 · local Medicare $4,283 · file 2026-09-01
Aetna$6,7991.6×5
BCBS TN$9,2052.1×1
Elevance/Anthem/Empire$4,7121.1×1
Humana$6,7321.6×1
Oscar$7,2261.7×1
UnitedHealthcare$9,9952.3×5
Ascension Saint Thomas Hospital (Midtown + West) median $10,387 · local Medicare $4,283 · file 2026-01-01
Aetna$19,9704.7×5
BCBS TN$7,8691.8×14
Cigna$9,5072.2×20
Humana$11,2672.6×2
MultiPlan/PHCS (rental network)$13,2883.1×2
Oscar$8,2721.9×2
UnitedHealthcare$15,9743.7×7
Ascension Saint Thomas Rutherford median $10,702 · local Medicare $4,283 · file 2026-01-01
Aetna$20,3004.7×4
BCBS TN$5,4431.3×9
Cigna$9,6102.2×16
Humana$11,7942.8×1
Oscar$8,3692.0×2
UnitedHealthcare$15,9743.7×6
Vanderbilt University Medical Center median $11,028 · local Medicare $4,283 · file 2025-10-01
Aetna$11,0282.6×9
BCBS TN$8,6152.0×4
Cigna$9,8482.3×5
MultiPlan/PHCS (rental network)$10,0242.3×2
Oscar$13,4353.1×1
UnitedHealthcare$13,0813.1×10

Questions

How much does pneumonia (hospital stay) cost with commercial insurance in Nashville TN?

8 Nashville TN hospitals post usable commercial rates for inpatient stay (MS-DRG 194). The median across hospitals is $9,852; hospital medians range from $8,346 to $14,141. Your cost depends on your plan's deductible and coinsurance.