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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 |
|---|---|---|---|
| Tricities Hospital median $8,294 · local Medicare $5,589 · file 2026-09-01 | |||
| Aetna | $6,753 | 1.2× | 1 |
| Cigna | $31,065 | 5.6× | 2 |
| Elevance/Anthem/Empire | $13,675 | 2.4× | 5 |
| Oscar | $9,315 | 1.7× | 1 |
| Pyramid Life | $7,272 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 3.9× | 3 |
| UnitedHealthcare | $6,611 | 1.2× | 7 |
| Virginia Premier Health | $6,743 | 1.2× | 1 |
| CJW Medical Center (Chippenham + Johnston-Willis) median $9,315 · local Medicare $5,589 · file 2026-09-01 | |||
| Aetna | $28,998 | 5.2× | 3 |
| Bright Health | $8,746 | 1.6× | 2 |
| Cigna | $31,065 | 5.6× | 2 |
| Elevance/Anthem/Empire | $12,921 | 2.3× | 4 |
| Oscar | $9,315 | 1.7× | 1 |
| Pyramid Life | $7,062 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 3.9× | 3 |
| UnitedHealthcare | $6,420 | 1.1× | 7 |
| Virginia Premier Health | $6,549 | 1.2× | 1 |
| Henrico Doctors' Hospital median $9,315 · local Medicare $5,589 · file 2026-09-01 | |||
| Aetna | $28,998 | 5.2× | 3 |
| Bright Health | $8,746 | 1.6× | 2 |
| Cigna | $31,065 | 5.6× | 2 |
| Elevance/Anthem/Empire | $14,127 | 2.5× | 4 |
| Oscar | $9,315 | 1.7× | 1 |
| Pyramid Life | $7,053 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 3.9× | 3 |
| UnitedHealthcare | $6,412 | 1.1× | 8 |
| Virginia Premier Health | $6,540 | 1.2× | 1 |
| VCU Medical Center median $16,009 · local Medicare $5,589 · file 2026-01-02 | |||
| Aetna | $14,060 | 2.5× | 1 |
| Elevance/Anthem/Empire | $16,009 | 2.9× | 2 |
| UnitedHealthcare | $18,028 | 3.2× | 1 |
| Bon Secours St. Francis Medical Center median $17,282 · local Medicare $5,589 · file 2026-04-01 | |||
| Aetna | $15,259 | 2.7× | 3 |
| BCBS (other) | $17,282 | 3.1× | 3 |
| Cigna | $19,390 | 3.5× | 2 |
| Elevance/Anthem/Empire | $17,282 | 3.1× | 11 |
| UnitedHealthcare | $18,733 | 3.4× | 4 |
| Bon Secours Memorial Regional Medical Center median $18,349 · local Medicare $5,589 · file 2026-04-01 | |||
| Aetna | $15,259 | 2.7× | 3 |
| BCBS (other) | $18,349 | 3.3× | 3 |
| Cigna | $19,390 | 3.5× | 2 |
| Elevance/Anthem/Empire | $18,349 | 3.3× | 11 |
| UnitedHealthcare | $18,733 | 3.4× | 4 |
| Bon Secours St. Mary's Hospital median $19,390 · local Medicare $5,589 · file 2026-04-01 | |||
| Aetna | $15,259 | 2.7× | 3 |
| BCBS (other) | $21,646 | 3.9× | 3 |
| Cigna | $19,390 | 3.5× | 2 |
| Elevance/Anthem/Empire | $21,646 | 3.9× | 13 |
| UnitedHealthcare | $18,733 | 3.4× | 4 |
MS-DRG 193
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Tricities Hospital median $13,239 · local Medicare $9,116 · file 2026-09-01 | |||
| Aetna | $10,480 | 1.1× | 1 |
| Cigna | $31,065 | 3.4× | 2 |
| Elevance/Anthem/Empire | $22,303 | 2.4× | 5 |
| Oscar | $15,192 | 1.7× | 1 |
| Pyramid Life | $11,286 | 1.2× | 1 |
| Sentara Optima Health | $21,620 | 2.4× | 3 |
| UnitedHealthcare | $9,251 | 1.0× | 6 |
| Virginia Premier Health | $10,465 | 1.1× | 1 |
| CJW Medical Center (Chippenham + Johnston-Willis) median $15,192 · local Medicare $9,116 · file 2026-09-01 | |||
| Aetna | $28,998 | 3.2× | 3 |
| Bright Health | $13,518 | 1.5× | 2 |
| Cigna | $31,065 | 3.4× | 2 |
| Elevance/Anthem/Empire | $21,074 | 2.3× | 4 |
| Oscar | $15,192 | 1.7× | 1 |
| Pyramid Life | $11,174 | 1.2× | 1 |
| Sentara Optima Health | $21,620 | 2.4× | 3 |
| UnitedHealthcare | $9,201 | 1.0× | 6 |
| Virginia Premier Health | $10,362 | 1.1× | 1 |
| Henrico Doctors' Hospital median $15,192 · local Medicare $9,116 · file 2026-09-01 | |||
| Aetna | $28,998 | 3.2× | 3 |
| Bright Health | $13,518 | 1.5× | 2 |
| Cigna | $31,065 | 3.4× | 2 |
| Elevance/Anthem/Empire | $23,041 | 2.5× | 4 |
| Oscar | $15,192 | 1.7× | 1 |
| Pyramid Life | $11,123 | 1.2× | 1 |
| Sentara Optima Health | $21,620 | 2.4× | 3 |
| UnitedHealthcare | $9,970 | 1.1× | 7 |
| Virginia Premier Health | $10,314 | 1.1× | 1 |
| VCU Medical Center median $25,725 · local Medicare $9,116 · file 2026-01-02 | |||
| Aetna | $21,355 | 2.3× | 1 |
| Elevance/Anthem/Empire | $25,725 | 2.8× | 2 |
| UnitedHealthcare | $28,970 | 3.2× | 1 |
| Bon Secours St. Francis Medical Center median $28,186 · local Medicare $9,116 · file 2026-04-01 | |||
| Aetna | $24,887 | 2.7× | 3 |
| BCBS (other) | $28,186 | 3.1× | 3 |
| Cigna | $31,625 | 3.5× | 2 |
| Elevance/Anthem/Empire | $28,186 | 3.1× | 11 |
| UnitedHealthcare | $30,553 | 3.4× | 4 |
| Bon Secours Memorial Regional Medical Center median $29,926 · local Medicare $9,116 · file 2026-04-01 | |||
| Aetna | $24,887 | 2.7× | 3 |
| BCBS (other) | $29,926 | 3.3× | 3 |
| Cigna | $31,625 | 3.5× | 2 |
| Elevance/Anthem/Empire | $29,926 | 3.3× | 11 |
| UnitedHealthcare | $30,553 | 3.4× | 4 |
| Bon Secours St. Mary's Hospital median $31,625 · local Medicare $9,116 · file 2026-04-01 | |||
| Aetna | $24,887 | 2.7× | 3 |
| BCBS (other) | $35,303 | 3.9× | 3 |
| Cigna | $31,625 | 3.5× | 2 |
| Elevance/Anthem/Empire | $35,303 | 3.9× | 13 |
| UnitedHealthcare | $30,553 | 3.4× | 4 |
MS-DRG 195
| Hospital · insurer | Rate | × Medicare | Plans |
|---|---|---|---|
| Tricities Hospital median $6,568 · local Medicare $4,359 · file 2026-09-01 | |||
| Aetna | $5,452 | 1.3× | 1 |
| Cigna | $31,065 | 7.1× | 2 |
| Elevance/Anthem/Empire | $10,664 | 2.4× | 5 |
| Oscar | $7,264 | 1.7× | 1 |
| Pyramid Life | $5,872 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 5.0× | 3 |
| UnitedHealthcare | $5,338 | 1.2× | 7 |
| Virginia Premier Health | $5,445 | 1.2× | 1 |
| CJW Medical Center (Chippenham + Johnston-Willis) median $7,264 · local Medicare $4,359 · file 2026-09-01 | |||
| Aetna | $28,998 | 6.7× | 3 |
| Bright Health | $6,680 | 1.5× | 2 |
| Cigna | $31,065 | 7.1× | 2 |
| Elevance/Anthem/Empire | $10,077 | 2.3× | 4 |
| Oscar | $7,264 | 1.7× | 1 |
| Pyramid Life | $5,628 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 5.0× | 3 |
| UnitedHealthcare | $5,284 | 1.2× | 7 |
| Virginia Premier Health | $5,219 | 1.2× | 1 |
| Henrico Doctors' Hospital median $7,264 · local Medicare $4,359 · file 2026-09-01 | |||
| Aetna | $28,998 | 6.7× | 3 |
| Bright Health | $6,680 | 1.5× | 2 |
| Cigna | $31,065 | 7.1× | 2 |
| Elevance/Anthem/Empire | $11,018 | 2.5× | 4 |
| Oscar | $7,264 | 1.7× | 1 |
| Pyramid Life | $5,633 | 1.3× | 1 |
| Sentara Optima Health | $21,620 | 5.0× | 3 |
| UnitedHealthcare | $5,202 | 1.2× | 8 |
| Virginia Premier Health | $5,223 | 1.2× | 1 |
| VCU Medical Center median $12,157 · local Medicare $4,359 · file 2026-01-02 | |||
| Aetna | $10,835 | 2.5× | 1 |
| Elevance/Anthem/Empire | $12,157 | 2.8× | 2 |
| UnitedHealthcare | $13,690 | 3.1× | 1 |
| Bon Secours St. Francis Medical Center median $13,478 · local Medicare $4,359 · file 2026-04-01 | |||
| Aetna | $11,900 | 2.7× | 3 |
| BCBS (other) | $13,478 | 3.1× | 3 |
| Cigna | $15,122 | 3.5× | 2 |
| Elevance/Anthem/Empire | $13,478 | 3.1× | 11 |
| UnitedHealthcare | $14,609 | 3.4× | 4 |
| Bon Secours Memorial Regional Medical Center median $14,310 · local Medicare $4,359 · file 2026-04-01 | |||
| Aetna | $11,900 | 2.7× | 3 |
| BCBS (other) | $14,310 | 3.3× | 3 |
| Cigna | $15,122 | 3.5× | 2 |
| Elevance/Anthem/Empire | $14,310 | 3.3× | 11 |
| UnitedHealthcare | $14,609 | 3.4× | 4 |
| Bon Secours St. Mary's Hospital median $14,982 · local Medicare $4,359 · file 2026-04-01 | |||
| Aetna | $11,900 | 2.7× | 3 |
| BCBS (other) | $16,725 | 3.8× | 3 |
| Cigna | $14,982 | 3.4× | 2 |
| Elevance/Anthem/Empire | $16,725 | 3.8× | 13 |
| UnitedHealthcare | $14,475 | 3.3× | 4 |
Questions
How much does pneumonia (hospital stay) cost with commercial insurance in Richmond VA?
7 Richmond VA hospitals post usable commercial rates for inpatient stay (MS-DRG 194). The median across hospitals is $16,009; hospital medians range from $8,294 to $19,390. Your cost depends on your plan's deductible and coinsurance.