ER Visit Cost in Lakeland-Winter Haven, FL
An emergency room visit involves an evaluation by emergency staff, which can include an examination, monitoring, and sometimes imaging or lab work that produces results for the treating team. The hospital facility fee is the charge for the use of the emergency department itself, such as the space, nursing, equipment, and supplies. It is billed separately from physician fees. This page covers three billing codes: 99283 (ER Visit Level 3, Moderate), 99284 (ER Visit Level 4, High/Urgent), and 99285 (ER Visit Level 5, Critical). All prices come from the price transparency files that CMS requires hospitals to publish, covering 5 hospitals in the Lakeland-Winter Haven area.
Data last accessed by us: 2026-10-15 · Newest hospital file date among hospitals below: 2026-04-01
Data may be outdated
This hospital's pricing file has not been updated since 12/31/2025 (288 days ago). Prices may not reflect current charges. Contact the hospital directly for current pricing.
If you are experiencing a medical emergency, call 911 or go to your nearest emergency room immediately.
Do not delay emergency care based on cost.
ER Visit Level 3 (Moderate) (HCPCS 99283)
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| Hospital | Cash Price | |
|---|---|---|
| AdventHealth Heart of Florida * | $1,742.13 * | Schedule → |
| AdventHealth Lake Wales * | $1,340.10 * | Schedule → |
| Bartow Regional | $1,665.60 | Schedule → |
| Winter Haven Hospital | $102.60 | Schedule → |
| Lakeland Regional | $486 | Schedule → |
ER Visit Level 4 (High/Urgent) (HCPCS 99284)
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| Hospital | Cash Price | |
|---|---|---|
| AdventHealth Heart of Florida * | $3,378.52 * | Schedule → |
| AdventHealth Lake Wales * | $1,991.01 * | Schedule → |
| Bartow Regional | $2,736.60 | Schedule → |
| Winter Haven Hospital | $175.20 | Schedule → |
| Lakeland Regional | $607 | Schedule → |
ER Visit Level 5 (Critical) (HCPCS 99285)
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| Hospital | Cash Price | |
|---|---|---|
| AdventHealth Heart of Florida * | $4,722.24 * | Schedule → |
| AdventHealth Lake Wales * | $4,722.24 * | Schedule → |
| Bartow Regional | $3,966 | Schedule → |
| Winter Haven Hospital | $255 | Schedule → |
| Lakeland Regional | $729 | Schedule → |
What These Prices Mean
The gross charge is a hospital's list price, the cash price is what it publishes for patients paying without insurance, and the insured range spans the negotiated rates from payers. On this page the three figures often diverge. At Lakeland Regional Health Medical Center, the cash price is 20% of gross, so 99283 shows a gross charge of $2,429 against cash of $486. Bartow Regional Medical Center lists cash at 60% of gross, such as $2,776 gross and $1,665.60 cash for 99283. AdventHealth Heart of Florida and AdventHealth Lake Wales publish cash equal to gross, at 100%. People on a high-deductible plan who have not met the deductible usually pay the plan's negotiated rate, which falls inside the insured range.
How the three levels compare
The codes step up with the intensity of the visit. At Bartow Regional Medical Center, 99283 has cash of $1,665.60, 99284 has $2,736.60, and 99285 has $3,966. At Lakeland Regional Health Medical Center, cash is $486, $607, and $729 for the same codes. At Winter Haven Hospital, cash prices are $102.60, $175.20, and $255. Gross charges at that hospital are not available because the field was left out after manual review.
Why ER Visit Prices Vary
The five hospitals belong to three systems: AdventHealth with 2 hospitals, BayCare Health System with 2, and Lakeland Regional Health with 1. Cash prices on the page range from $102.60 at Winter Haven Hospital (99283) to $4,722.24 at AdventHealth Heart of Florida (99285). Excluding the two hospitals that publish cash equal to gross, the range runs from $102.60 to $3,966 at Bartow Regional Medical Center (99285), and the highest is about 39x the lowest. Gross charges run from $1,340.10 at AdventHealth Lake Wales (99283) to $6,610 at Bartow Regional Medical Center (99285), about 5x apart. Three rows lack a gross charge entirely.
Beyond these five hospitals and between payers
Freestanding emergency centers, urgent care clinics, and other facilities outside this dataset may price differently, and their files are not reflected here. Plan-to-plan variation can also be wide. For 99283 at Winter Haven Hospital, 148 published rates run from $30.78 for Medicare HMO plans to $2,776 for several commercial plans, and the highest is about 90x the lowest.
Paying cash? Health insurance could lower your ER Visit cost.
Published cash prices on this page range from $102.60 to $4,722.24 (including hospitals that publish cash equal to gross charge, marked with * in the table). The lowest insured rate in the price table is $30.78 (Winter Haven Hospital). Insured rates depend on the plan, and the lowest are often Medicaid, CHIP or Medicare Advantage plans, so they may not reflect what a commercial or marketplace plan pays. If you are uninsured, a marketplace health plan could reduce your out-of-pocket cost for this procedure.
Links go to Healthcare.gov, the official federal health insurance marketplace. We are not affiliated with Healthcare.gov or any insurance provider. This is not a recommendation for any specific plan.
Compare Insurer Rates for ER Visit in Lakeland-Winter Haven
How much does each insurance company pay for er visit at Lakeland-Winter Haven hospitals?
| Insurer | Lowest Rate | Hospitals |
|---|---|---|
| Simply Healthcare | $30.78 | 4 |
| Florida Blue | $54.63 | 5 |
| Aetna | $79.17 | 4 |
| Cigna | $90.12 | 4 |
| UnitedHealthcare | $90.97 | 3 |
| Health First | $285.06 | 4 |
| Freedom Health | $299.32 | 4 |
Rates shown are the lowest and highest negotiated rates each insurer has published across Lakeland-Winter Haven hospitals for this procedure. Your actual cost depends on your plan's deductible, copay, and coinsurance.
What Insurers Actually Pay
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Published negotiated rates for ER Visit Level 3 (Moderate) (HCPCS 99283) at Winter Haven Hospital, outpatient facility fee:
ER Visit Level 3 (Moderate) (99283), Winter Haven Hospital Payer Rates
| Insurance Payer | Plan Type | Negotiated Rate |
|---|---|---|
| Molina | Medicare HMO | $30.78 |
| Simply Healthcare | Medicare HMO | $30.78 |
| Molina | Medicare HMO | $30.78 |
| Simply Healthcare | Medicare HMO | $30.78 |
| Ultimate Health Plan | Medicare HMO | $51.30 |
| Ultimate Health Plan | Medicare HMO | $51.30 |
| AvMed | Commercial Other | $53.01 |
| AvMed | Commercial Other | $53.01 |
| Blue Cross | Commercial HMO My Blue | $54.63 |
| Blue Cross | Commercial HMO My Blue | $54.63 |
| Blue Cross | Commercial HMO Simply Blue | $71.61 |
| Blue Cross | Commercial HMO Simply Blue | $71.61 |
| Blue Cross | Commercial PPO Blue Select | $73.91 |
| Blue Cross | Commercial PPO Blue Select | $73.91 |
| Florida Hospital | Commercial PPO | $78.66 |
| Florida Hospital | Commercial PPO | $78.66 |
| Aetna | Commercial Other | $79.17 |
| Aetna | Commercial Other | $79.17 |
| Aetna | Commercial HMO | $82.76 |
| Aetna | Commercial HMO | $82.76 |
| AvMed | Commercial | $83.79 |
| AvMed | Commercial | $83.79 |
| Evolutions | Commercial Prime Network Products | $85.50 |
| Evolutions | Commercial Prime Network Products | $85.50 |
| Blue Cross | Commercial HMO Health Options | $87.24 |
| Blue Cross | Commercial HMO Health Options | $87.24 |
| Cigna | Commercial HMO | $90.12 |
| Cigna | Commercial HMO | $90.12 |
| United Healthcare | Commercial HMO | $90.97 |
| United Healthcare | Commercial HMO | $90.97 |
| Blue Cross | Commercial PPO Network Blue | $91.91 |
| Blue Cross | Commercial PPO Network Blue | $91.91 |
| Molina | Commercial Other | $96.27 |
| Molina | Commercial Other | $96.27 |
| Blue Cross | Commercial PPO PHS | $98.55 |
| Blue Cross | Commercial PPO PHS | $98.55 |
| Molina | Commercial Other | $101.06 |
| Molina | Commercial Other | $101.06 |
| Evolutions | Commercial PPO International | $119.70 |
| Evolutions | Commercial PPO International | $119.70 |
| Evolutions | Commercial PPO International | $119.70 |
| Evolutions | Commercial PPO International | $119.70 |
| United Healthcare | Commercial PPO | $133.89 |
| United Healthcare | Commercial PPO | $133.89 |
| United Healthcare | Commercial PPO | $133.89 |
| United Healthcare | Commercial PPO | $133.89 |
| Multiplan | Commercial PPO | $136.80 |
| Multiplan | Commercial PPO | $136.80 |
| Multiplan | Commercial PPO | $136.80 |
| Multiplan | Commercial PPO | $136.80 |
| Aetna | Commercial PPO | $139.36 |
| Aetna | Commercial PPO | $139.36 |
| Aetna | Commercial PPO | $139.36 |
| Aetna | Commercial PPO | $139.36 |
| Evolutions | Commercial PPO Select Network | $145.35 |
| First Health | Commercial PPO | $145.35 |
| Evolutions | Commercial PPO Select Network | $145.35 |
| First Health | Commercial PPO | $145.35 |
| Evolutions | Commercial PPO Select Network | $145.35 |
| First Health | Commercial PPO | $145.35 |
| Evolutions | Commercial PPO Select Network | $145.35 |
| First Health | Commercial PPO | $145.35 |
| Cigna | Commercial PPO | $148.77 |
| Cigna | Commercial PPO | $148.77 |
| Cigna | Commercial PPO | $148.77 |
| Cigna | Commercial PPO | $148.77 |
| United Healthcare | Indemnity | $153.90 |
| United Healthcare | Indemnity | $153.90 |
| United Healthcare | Indemnity | $153.90 |
| United Healthcare | Indemnity | $153.90 |
| Evolutions | Commercial PPO Choice | $159.03 |
| Evolutions | Commercial PPO Choice | $159.03 |
| Evolutions | Commercial PPO Choice | $159.03 |
| Evolutions | Commercial PPO Choice | $159.03 |
| Ambetter | Commercial Select Core | $171 |
| Ambetter | Commercial Value | $171 |
| Ambetter | Commercial Select Core | $171 |
| Ambetter | Commercial Value | $171 |
| Ambetter | Commercial Select Core | $171 |
| Ambetter | Commercial Value | $171 |
| United Behavioral Health | Commercial Other | $171 |
| Ambetter | Commercial Select Core | $171 |
| Ambetter | Commercial Value | $171 |
| United Behavioral Health | Commercial Other | $171 |
| Aetna | Medicare PPO | $277.93 |
| BayCarePlus | Medicare HMO | $277.93 |
| Blue Cross | Medicare HMO | $277.93 |
| Humana Military | Commercial Other | $288.74 |
| CarePlus | Medicare HMO | $293.12 |
| United Healthcare | Medicare HMO | $297.39 |
| Solis Health | Medicare HMO | $305.73 |
| Freedom | Medicare HMO | $315.19 |
| Optimum | Medicare HMO | $315.19 |
| Aetna | Medicare HMO | $319.62 |
| Cigna | Medicare HMO | $319.62 |
| Health First | Medicare HMO | $319.62 |
| Humana | Medicare HMO | $347.42 |
| Wellcare | Medicare HMO | $389.11 |
| Molina | Medicare HMO | $499.68 |
| Simply Healthcare | Medicare HMO | $499.68 |
| Ambetter | Commercial Select Core | $625.35 |
| Ambetter | Commercial Value | $708.73 |
| Ultimate Health Plan | Medicare HMO | $832.80 |
| AvMed | Commercial Other | $860.56 |
| Blue Cross | Commercial HMO My Blue | $886.93 |
| Blue Cross | Commercial HMO My Blue | $941 |
| Blue Cross | Commercial HMO Simply Blue | $1,162.59 |
| Blue Cross | Commercial PPO Blue Select | $1,199.79 |
| Blue Cross | Commercial HMO Simply Blue | $1,236 |
| Blue Cross | Commercial PPO Blue Select | $1,274 |
| Florida Hospital | Commercial PPO | $1,276.96 |
| Aetna | Commercial Other | $1,285.29 |
| Aetna | Commercial HMO | $1,343.58 |
| AvMed | Commercial | $1,360.24 |
| Evolutions | Commercial Prime Network Products | $1,388 |
| Blue Cross | Commercial HMO Health Options | $1,416.32 |
| Cigna | Commercial HMO | $1,462.95 |
| United Healthcare | Commercial HMO | $1,476.83 |
| Blue Cross | Commercial PPO Network Blue | $1,492.10 |
| Blue Cross | Commercial HMO Health Options | $1,504 |
| Molina | Commercial Other | $1,562.89 |
| Blue Cross | Commercial PPO Network Blue | $1,585 |
| Blue Cross | Commercial PPO PHS | $1,599.81 |
| Molina | Commercial Other | $1,640.62 |
| Blue Cross | Commercial PPO PHS | $1,699 |
| Evolutions | Commercial PPO International | $1,943.20 |
| Evolutions | Commercial PPO International | $1,943.20 |
| United Healthcare | Commercial PPO | $2,173.61 |
| United Healthcare | Commercial PPO | $2,173.61 |
| Multiplan | Commercial PPO | $2,220.80 |
| Multiplan | Commercial PPO | $2,220.80 |
| Aetna | Commercial PPO | $2,262.44 |
| Aetna | Commercial PPO | $2,262.44 |
| Evolutions | Commercial PPO Select Network | $2,359.60 |
| First Health | Commercial PPO | $2,359.60 |
| Evolutions | Commercial PPO Select Network | $2,359.60 |
| First Health | Commercial PPO | $2,359.60 |
| Cigna | Commercial PPO | $2,415.12 |
| Cigna | Commercial PPO | $2,415.12 |
| United Healthcare | Indemnity | $2,498.40 |
| United Healthcare | Indemnity | $2,498.40 |
| Evolutions | Commercial PPO Choice | $2,581.68 |
| Evolutions | Commercial PPO Choice | $2,581.68 |
| Ambetter | Commercial Select Core | $2,776 |
| Ambetter | Commercial Value | $2,776 |
| Ambetter | Commercial Select Core | $2,776 |
| Ambetter | Commercial Value | $2,776 |
| United Behavioral Health | Commercial Other | $2,776 |
Key finding: At Winter Haven Hospital, 99283 insured rates run from $30.78 for Medicare HMO plans from Molina and Simply Healthcare to $2,776 for commercial plans such as Ambetter.
What to Do With These ER Visit Prices
Quote the code the hospital billed. After the visit, find the CPT code on your itemized bill: 99283, 99284 or 99285. The level is set afterward from the care provided, so you could not have chosen it in advance. Ask the billing office to confirm which level was charged and what documentation supports it. You can also ask for the cash price tied to that exact code.
Set your total beside the rows above. This page has cash prices for all 15 hospital and code rows, so you can compare directly. At Lakeland Regional Health Medical Center, the 99283 cash price is $486, while its insured rates start at $1,058. At AdventHealth Heart of Florida, the 99283 cash price is $1,742.13, but insured rates there top out at $632.84. Two hospitals, AdventHealth Heart of Florida and AdventHealth Lake Wales, publish cash equal to gross, so a cash quote there is the full listed charge.
Sort the facility fee from the doctor's fee. The figures on this page are facility charges only. The ER physician often bills separately, and radiologists or labs may send their own bills. Check that tests, imaging and medications appear as separate lines rather than one lump sum. Ask whether the physician group is in your network, since it can differ from the hospital.
- Match each bill to its sender and date of service.
- Ask for any unclear line to be explained in writing.
No gaps here. Every row on this page shows a gross charge and a cash price, so no $0 or blank entries need reading as free. If your own bill shows $0 for something, ask whether it was included in another line.
Financial assistance and discounts. Nonprofit hospitals are required to publish a financial assistance policy, and the billing office can send it with an application. Some hospitals also offer prompt-pay or self-pay discounts; these vary by hospital and are not included in this data. Assistance applications and discount requests can be made after the visit.
General information about using published prices, not medical, legal or financial advice. Confirm your own cost with the hospital and your insurer. Our methodology · Medical Disclaimer
What Patients Ask About ER Visit Costs
How much does a er visit cost without insurance in Lakeland-Winter Haven?
Among the 15 price rows on this page, every row has a published cash price. Cash prices run from $102.60 at Winter Haven Hospital (99283) to $4,722.24 at AdventHealth Heart of Florida (99285). AdventHealth Heart of Florida and AdventHealth Lake Wales publish cash equal to gross, so no self-pay discount is shown there. Excluding those two hospitals, the top of the range is $3,966 at Bartow Regional Medical Center (99285). These are facility charges only. Professional fees, such as those from the emergency physician, are billed separately and are not included in these figures.
Why is the gross charge so much higher than the cash price?
The gross charge is a hospital's full list price, and few patients are billed that amount. Cash prices are often set well below it. At Lakeland Regional Health Medical Center, the cash price is 20% of gross, for example $486 against a gross charge of $2,429 for 99283. At Bartow Regional Medical Center, cash is 60% of gross, such as $1,665.60 against $2,776. AdventHealth Heart of Florida and AdventHealth Lake Wales list cash at 100% of gross. Winter Haven Hospital has no gross charge shown, so no comparison is possible there.
Does insurance cover a er visit?
Whether insurance applies to an ER visit, and how much you pay, depends on your specific plan, so the plan's own materials are the place to confirm details. This page shows negotiated rates that hospitals published for insurers. Insured ranges include $285.06 to $632.84 for 99283 at AdventHealth Heart of Florida and $1,058 to $2,865 at Lakeland Regional Health Medical Center. If you have a high-deductible plan and have not met your deductible, you usually pay the plan's negotiated rate until the deductible is met.
Are there additional fees beyond the er visit facility charge?
Yes. The facility charge covers the hospital's emergency department resources, while other services are typically billed separately. These can include the emergency physician's professional fee, fees from radiologists who read imaging, and pathologists or laboratories that process tests. Separate charges may also apply for ambulance transport, for specialist consultations during the visit, and for any imaging, lab work, procedures, or medications provided. Each may come from a different billing entity, so statements can arrive at different times. An itemized bill lists each charge individually.
What is the cash price for an ER visit at Lakeland Regional Health Medical Center?
Lakeland Regional Health Medical Center publishes cash prices of $486 for 99283, $607 for 99284 and $729 for 99285. These are facility charges only and do not include physician fees. The hospital's cash price is 20% of its gross charge for each of these three codes, and no code on this page is missing a cash price.
What is the lowest ER visit price in Winter Haven, FL?
The lowest cash price on this page is $102.60 for a Level 3 visit (99283) at Winter Haven Hospital. Its cash prices for 99284 and 99285 are $175.20 and $255. These are facility charges only. The lowest insured rate in the price table is $30.78, also at Winter Haven Hospital for 99283.
Do AdventHealth Heart of Florida and AdventHealth Lake Wales offer a self-pay discount on ER visits?
No discount is published. Both AdventHealth Heart of Florida and AdventHealth Lake Wales list cash price equal to gross charge for all three codes, which is 100% of gross. For example, 99285 shows $4,722.24 as both the gross charge and the cash price at each hospital. These are facility charges only.
How much does Florida Blue pay for an ER visit near Lakeland and Winter Haven?
Florida Blue rates on this page span 5 hospitals, from $54.63 at Winter Haven Hospital to $5,749 at Lakeland Regional Health Medical Center, with a median of $2,135. The highest is about 105x the lowest. These are facility rates only, and the amounts depend on the specific plan and code.
What is the difference between ER visit codes 99283, 99284 and 99285 at Bartow Regional Medical Center?
At Bartow Regional Medical Center, cash prices rise with the code level: $1,665.60 for 99283 (Level 3, Moderate), $2,736.60 for 99284 (Level 4, High/Urgent) and $3,966 for 99285 (Level 5, Critical). Each cash price is 60% of the gross charge. These are facility charges only, not physician fees.
Compare Other Procedures in Lakeland-Winter Haven
Data Sources
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AdventHealth Heart of Florida
File updated: 2026-04-01 · Accessed by us: 2026-10-15
Attested by: Tim Reiner
We are not affiliated with AdventHealth Heart of Florida. Published prices may not reflect your actual cost. Disclaimer
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AdventHealth Lake Wales
File updated: 2026-04-01 · Accessed by us: 2026-10-15
Attested by: Tim Reiner
We are not affiliated with AdventHealth Lake Wales. Published prices may not reflect your actual cost. Disclaimer
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Bartow Regional Medical Center
File updated: 2026-01-01 · Accessed by us: 2026-10-15
Attested by: Jillian Cuckler
We are not affiliated with Bartow Regional Medical Center. Published prices may not reflect your actual cost. Disclaimer
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Winter Haven Hospital
File updated: 2026-01-01 · Accessed by us: 2026-10-15
Attested by: Jillian Cuckler
We are not affiliated with Winter Haven Hospital. Published prices may not reflect your actual cost. Disclaimer
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Lakeland Regional Health Medical Center
File updated: 12/31/2025 · Accessed by us: 2026-10-15
Attested by: Lance Green
We are not affiliated with Lakeland Regional Health Medical Center. Published prices may not reflect your actual cost. Disclaimer
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