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Pneumonia (hospital stay) in St. Louis MO

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
Mercy Hospital South median $4,118 · local Medicare $5,745 · file 2026-06-10
Humana$4,1180.7×2
Missouri Baptist Medical Center median $13,570 · local Medicare $5,745 · file 2025-12-15
Aetna$16,4572.9×5
Cigna$13,8472.4×6
Elevance/Anthem/Empire$9,0411.6×6
Humana$13,5702.4×1
UnitedHealthcare$13,0712.3×2
Barnes-Jewish West County Hospital median $13,570 · local Medicare $5,745 · file 2025-12-15
Aetna$16,4572.9×5
Cigna$13,8472.4×6
Elevance/Anthem/Empire$9,0411.6×6
Humana$13,5702.4×1
UnitedHealthcare$13,0712.3×2
Barnes-Jewish St Peters Hospital median $13,570 · local Medicare $5,745 · file 2025-12-15
Aetna$16,4572.9×5
Cigna$13,8472.4×6
Elevance/Anthem/Empire$9,0411.6×6
Humana$13,5702.4×1
UnitedHealthcare$13,0712.3×3
Alton Memorial Hospital median $13,570 · local Medicare $6,180 · file 2025-12-15
Aetna$16,4572.7×5
Cigna$13,8472.2×6
Elevance/Anthem/Empire$9,0411.5×6
Humana$13,5702.2×1
UnitedHealthcare$13,0712.1×2
Progress West Hospital median $13,570 · local Medicare $5,745 · file 2025-12-15
Aetna$16,4572.9×5
Cigna$13,8472.4×6
Elevance/Anthem/Empire$9,0411.6×6
Humana$13,5702.4×1
UnitedHealthcare$13,0712.3×2
Barnes Jewish Hospital median $17,416 · local Medicare $5,745 · file 2025-12-15
Aetna$19,2643.4×5
Cigna$17,3703.0×6
Elevance/Anthem/Empire$14,4152.5×6
Humana$17,6663.1×1
UnitedHealthcare$17,4163.0×2

MS-DRG 193

Hospital · insurerRate× MedicarePlans
Mercy Hospital South median $6,717 · local Medicare $9,369 · file 2026-06-10
Humana$6,7170.7×2
Missouri Baptist Medical Center median $15,216 · local Medicare $9,369 · file 2025-12-15
Aetna$16,4571.8×5
Cigna$21,0292.2×6
Elevance/Anthem/Empire$13,9751.5×6
Humana$13,5701.4×1
Barnes-Jewish West County Hospital median $16,457 · local Medicare $9,369 · file 2025-12-15
Aetna$16,4571.8×5
Cigna$21,0292.2×6
Elevance/Anthem/Empire$13,9751.5×6
Humana$13,5701.4×1
UnitedHealthcare$21,3182.3×2
Barnes-Jewish St Peters Hospital median $16,457 · local Medicare $9,369 · file 2025-12-15
Aetna$16,4571.8×5
Cigna$21,0292.2×6
Elevance/Anthem/Empire$13,9751.5×6
Humana$13,5701.4×1
UnitedHealthcare$21,3182.3×3
Barnes Jewish Hospital median $22,282 · local Medicare $9,369 · file 2025-12-15
Aetna$19,2642.1×5
Cigna$26,3792.8×6
Elevance/Anthem/Empire$22,2822.4×6
Humana$17,6661.9×1
UnitedHealthcare$28,4043.0×2

MS-DRG 195

Hospital · insurerRate× MedicarePlans
Mercy Hospital South median $3,212 · local Medicare $4,480 · file 2026-06-10
Humana$3,2120.7×2
Missouri Baptist Medical Center median $10,671 · local Medicare $4,480 · file 2025-12-15
Aetna$16,4573.7×5
Cigna$10,6712.4×6
Elevance/Anthem/Empire$6,9061.5×6
Humana$13,5703.0×1
UnitedHealthcare$10,1942.3×2
Barnes-Jewish West County Hospital median $10,671 · local Medicare $4,480 · file 2025-12-15
Aetna$16,4573.7×5
Cigna$10,6712.4×6
Elevance/Anthem/Empire$6,9061.5×6
Humana$13,5703.0×1
UnitedHealthcare$10,1942.3×2
Barnes-Jewish St Peters Hospital median $10,671 · local Medicare $4,480 · file 2025-12-15
Aetna$16,4573.7×5
Cigna$10,6712.4×6
Elevance/Anthem/Empire$6,9061.5×6
Humana$13,5703.0×1
UnitedHealthcare$10,1942.3×3
Barnes Jewish Hospital median $13,387 · local Medicare $4,480 · file 2025-12-15
Aetna$19,2644.3×5
Cigna$13,3873.0×6
Elevance/Anthem/Empire$11,0112.5×6
Humana$17,6663.9×1
UnitedHealthcare$6,1741.4×2

Questions

How much does pneumonia (hospital stay) cost with commercial insurance in St. Louis MO?

7 St. Louis MO hospitals post usable commercial rates for inpatient stay (MS-DRG 194). The median across hospitals is $13,570; hospital medians range from $4,118 to $17,416. Your cost depends on your plan's deductible and coinsurance.