ER Visit Cost in Naples, FL
An emergency department visit is a hospital encounter in which a patient is assessed and treated in a facility that operates around the clock. The visit is classified into levels based on the complexity of the medical decision-making and the resources used. The facility fee is the charge from the hospital itself for the room, equipment, nursing, and support staff, and it is separate from physician or professional fees. This page covers three billing codes: HCPCS 99283 (Level 3, Moderate), HCPCS 99284 (Level 4, High/Urgent), and HCPCS 99285 (Level 5, Critical). Prices come from CMS-mandated hospital transparency files published by each facility.
Data last accessed by us: 2026-10-15 · Newest hospital file date among hospitals below: 2026-07-01
Data may be outdated
This hospital's pricing file has not been updated since 2026-04-01 (197 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 | |
|---|---|---|
| NCH Baker Hospital | $894.80 | Schedule → |
| Physicians Regional Collier | $457.91 | Schedule → |
| Physicians Regional Pine Ridge | $534.22 | Schedule → |
ER Visit Level 4 (High/Urgent) (HCPCS 99284)
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| Hospital | Cash Price | |
|---|---|---|
| NCH Baker Hospital | $1,466.40 | Schedule → |
| Physicians Regional Collier | $830.78 | Schedule → |
| Physicians Regional Pine Ridge | $969.24 | Schedule → |
ER Visit Level 5 (Critical) (HCPCS 99285)
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| Hospital | Cash Price | |
|---|---|---|
| NCH Baker Hospital | $1,701.60 | Schedule → |
| Physicians Regional Collier | $969.35 | Schedule → |
| Physicians Regional Pine Ridge | $1,130.91 | Schedule → |
What These Prices Mean
The gross charge is the hospital's full list price, also called the chargemaster price. The cash price is the rate offered to patients paying without insurance. The insured range shows the lowest and highest negotiated rates across insurance plans. For code 99283, Physicians Regional Collier lists a gross charge of $2,543.92 and a cash price of $457.91, or 18% of gross. NCH Baker Hospital lists a gross charge of $2,237 and a cash price of $894.80, or 40% of gross. NCH Baker has the smaller gross charge yet the higher cash price, despite the Physicians Regional locations applying a deeper percentage discount. Patients on high-deductible plans who have not met their deductible owe the negotiated rate, not the gross charge.
Code variations
The three codes reflect the level of complexity and resources involved in the visit. Higher levels carry higher charges. At Physicians Regional Collier, cash prices rise from $457.91 (99283) to $830.78 (99284) to $969.35 (99285). At NCH Baker Hospital, cash prices rise from $894.80 to $1,466.40 to $1,701.60. Level 3 to Level 5 adds $511.44 at Physicians Regional Collier and $806.80 at NCH Baker.
Why ER Visit Prices Vary
Gross charges differ by hospital. For code 99283, Physicians Regional lists $2,543.92 and NCH Baker lists $2,237, a gap of $306.92. For code 99285, the gross charges are $5,385.27 and $4,254, a gap of $1,131.27. The cash price gap runs the other direction. Physicians Regional Collier's 99283 cash price of $457.91 is $436.89 below NCH Baker's $894.80. The discount percentages explain this: roughly 18% of gross at Physicians Regional Collier, 21% at Physicians Regional Pine Ridge, and 40% at NCH Baker. Each hospital sets its own chargemaster and its own cash discount policy.
Facility type and alternatives
All three locations in this dataset are general hospital emergency departments. Academic medical centers, community hospitals, and for-profit hospital systems may each structure prices differently. Outpatient or freestanding facilities, which are not in this dataset, may also charge differently. Across the hospitals and codes listed here, cash prices range from $457.91 to $1,701.60.
Paying cash? Health insurance could lower your ER Visit cost.
Published cash prices on this page range from $457.91 to $1,701.60. The lowest insured rate in the price table is $69.99 (Physicians Regional Medical Center - Collier Boulevard). 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.
What Insurers Actually Pay
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Published negotiated rates for ER Visit Level 3 (Moderate) (HCPCS 99283) at Physicians Regional Collier, outpatient facility fee:
ER Visit Level 3 (Moderate) (99283), Physicians Regional Collier Payer Rates
| Insurance Payer | Plan Type | Negotiated Rate |
|---|---|---|
| Veterans Eval Services | Veterans Eval Services | $69.99 |
| Childrens Medical Services Medicaid | Childrens Medical Services Medicaid | $115.26 |
| Florida Medicaid | FL Medicaid | $115.26 |
| Florida Medicaid Non Par | FL Medicaid Non-Par | $115.26 |
| Ped-I-Care Medicaid FL | Ped-I-Care Medicaid FL | $115.26 |
| Childrens Medical Services | S FL Community Care Network Medicaid FL | $115.26 |
| United Healthcare | UHC Medicaid FL | $115.26 |
| Humana | Humana Medicaid FL | $118.72 |
| Integral Health | Integral Health Medicaid FL | $121.02 |
| Wellcare | Wellcare Medicaid FL | $121.02 |
| Simply Healthcare Plan | Simply Healthcare Plan | $122.18 |
| Magellan | Magellan Medicaid FL | $123.90 |
| Amerigroup | Amerigroup Medicaid FL | $125.63 |
| SUNSHINE HEALTH MEDICAID FL | SUNSHINE HEALTH MEDICAID FL | $126.79 |
| Prestige Health | Prestige Medicaid FL | $133.70 |
| NODE Tricare | NODE Tricare | $270.81 |
| Aetna MCR ADV | NODE Aetna MCR ADV | $280.50 |
| Blue Cross Blue Shield | NODE BCBS FL MCR ADV | $280.50 |
| Humana MCR ADV | NODE Humana MCR ADV | $280.50 |
| NODE Medicare Non Par | NODE Medicare Non Par | $280.50 |
| NODE Medicare Traditional | NODE Medicare Traditional | $280.50 |
| United Healthcare | NODE UHC MCR ADV | $280.50 |
| NODE ChampVA | NODE ChampVA | $285.06 |
| NODE Non Par Hospice Agree | NODE Hospice Non Par | $285.06 |
| NODE United Optum VA CCN | NODE United Optum VA CCN | $285.06 |
| NODE VA | NODE VA | $285.06 |
| NODE Freedom Optimum MCR ADV | NODE Freedom Optimum MCR ADV | $288.92 |
| NODE Wellcare MCR ADV | NODE Wellcare MCR ADV | $293.61 |
| NODE US Dept of Labor | NODE US Dept of Labor | $356.32 |
| Self Pay | Self Pay | $457.91 |
| Occunet | OccuNet Work Comp FL | $558.90 |
| Prime Health Work Comp FL | Prime Health Work Comp FL | $602.37 |
| Rockport | Rockport Work Comp FL | $602.37 |
| Self Pay | Self Pay | $610.54 |
| CHS Group Health Plan UMR | CHS Group Health Plan UMR | $615.63 |
| CHS Group Health Plan UMR | CHS Group Health Plan UMR | $615.63 |
| Florida Workers Compensation | FL Work Comp | $621 |
| Occunet | OccuNet | $712.65 |
| SUNSHINE HEALTH AMBETTER MARKETPLACE | Sunshine State Health Plan Commercial Exchange | $726.90 |
| Simply Healthcare | NODE Simply MCR ADV | $788.62 |
| AvMed | AvMed | $966.69 |
| AvMed | AvMed | $966.69 |
| Cigna Healthcare | Cigna ALL | $1,020.37 |
| Blue Cross Blue Shield | BCBS FL MBN | $1,041 |
| Blue Cross Blue Shield | BCBS FL SBN | $1,064 |
| Blue Cross Blue Shield | BCBS FL HMO | $1,119 |
| Blue Cross Blue Shield | BCBS FL BSL | $1,233 |
| Aetna | Aetna INTL Passport | $1,396.61 |
| Aetna | Aetna INTL Passport | $1,396.61 |
| Community Health Partners | Community Health Partners | $1,468.06 |
| Blue Cross Blue Shield | BCBS FL NWB | $1,499 |
| Blue Cross Blue Shield | BCBS FL PPO | $1,499 |
| United Healthcare | UHC NHP | $1,578 |
| Aetna | Aetna First Health | $1,689.16 |
| Aetna | Aetna First Health | $1,689.16 |
| United Healthcare | UHC APA | $1,814 |
| Florida State Auto Insurance | State Auto Insurance FL | $1,907.94 |
| Blue Cross Blue Shield | BCBS FL PHS | $2,022 |
| Aetna | Aetna | $2,543.92 |
| Aetna | Aetna ASA | $2,543.92 |
Key finding: For Level 5 ER visits, Blue Cross Blue Shield's BCBS FL PHS plan pays $5,320 at Physicians Regional, while Florida Medicaid plans pay $115.26, a 46x difference.
What to Do With These ER Visit Prices
Pin down the level once the bill arrives. The three codes here are 99283, 99284 and 99285. The hospital assigns the level after the visit based on the care given, so you cannot choose it in advance. Look at your bill or statement for which code was charged, and ask the billing office to explain how that level was decided if it seems high for what happened.
Test the total against the rows. At NCH Baker Hospital (Naples Community Hospital), the cash price for 99283 is $894.80, and the insured range for that same code tops out at $879.42. That is the one row on this page where cash sits above every insured rate. At the other hospitals, cash is within the insured range. If you were quoted or billed a cash amount, compare it with the insured range for the same code at the same hospital, and ask your insurer what it allowed if you have coverage.
Sort the bills by sender. The prices here are facility charges only. The ER physician often bills separately, and radiology or lab groups may too. Ask for an itemized bill and check:
- Whether tests, imaging and medication each appear as their own lines.
- Whether any line repeats or looks unfamiliar.
- Which charges come from the hospital and which from a physician group.
Gaps on this page. No gross charge is missing and every hospital published a cash price, so there are no blank or $0 entries here. Elsewhere, a $0 or blank price means missing data, not a free service.
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 Naples?
Cash prices without insurance vary by hospital and visit level. At Physicians Regional Collier, cash prices are $457.91 (Level 3), $830.78 (Level 4), and $969.35 (Level 5). At Physicians Regional Pine Ridge, they are $534.22, $969.24, and $1,130.91. At NCH Baker Hospital, they are $894.80, $1,466.40, and $1,701.60. Overall, cash prices range from $457.91 to $1,701.60. Moving from Level 3 to Level 5 adds between $511.44 and $806.80 depending on the hospital. These figures are facility fees only. Physician and professional fees are billed separately.
Why is the gross charge so much higher than the cash price?
The gross charge, or chargemaster price, is a hospital's full list price before any discounts. Almost no one pays it. Cash prices are set well below it. At Physicians Regional Collier, cash is 18% of gross; at Pine Ridge, 21%; and at NCH Baker Hospital, 40%. A larger discount does not always mean a lower price. For code 99283, NCH Baker's gross charge is $2,237 and its cash price is $894.80. Physicians Regional's gross charge is $2,543.92 and its cash price at Collier is $457.91, even though NCH Baker's discount is smaller in percentage terms.
Does insurance cover a er visit?
Coverage depends on your plan and whether the visit meets the plan's criteria for medical necessity. Negotiated rates vary widely. For Level 4 visits, rates in the data range from $115.26 for Florida Medicaid plans to $5,320 for a Blue Cross Blue Shield plan, a 46x spread. Prior authorization requirements generally apply to non-emergency services; plans set their own rules. If you have a high-deductible plan and have not met your deductible, you owe the negotiated rate for the visit, not the gross charge. Your out-of-pocket amount depends on your specific plan terms.
Are there additional fees beyond the er visit facility charge?
Yes. The prices on this page are facility fees, which cover the hospital's room, equipment, and staff. The emergency physician who evaluates and treats you bills separately for professional services. Other clinicians, such as radiologists who read imaging or specialists who are consulted, may also bill separately. Tests and services performed during the visit, such as lab work, imaging, or procedures, are typically charged in addition to the visit-level facility fee. Dollar amounts for these additional charges are not included in the data on this page, so the totals shown here do not represent the full cost of an emergency department encounter.
What is the cash price for a level 3 ER visit at NCH Baker Hospital in Naples?
NCH Baker Hospital (Naples Community Hospital) lists a cash price of $894.80 for code 99283 (ER Visit Level 3), against a gross charge of $2,237. The cash price is 40% of gross. This is a facility charge only and does not include physician fees or other services billed separately.
What are the lowest and highest published ER visit cash prices in Naples, FL?
On this page, cash prices run from $457.91 at Physicians Regional Medical Center - Collier Boulevard (99283) to $1,701.60 at NCH Baker Hospital (Naples Community Hospital) (99285). The highest is about 4x the lowest. All 9 price rows have a published cash price, and these are facility charges only.
How much is a level 5 ER visit at Physicians Regional Medical Center - Pine Ridge?
For code 99285 (ER Visit Level 5), Physicians Regional Medical Center - Pine Ridge shows a cash price of $1,130.91 and a gross charge of $5,385.27. The cash price is 21% of gross. Insured rates range from $115.26 to $5,320. These are facility charges only.
What does Florida Blue pay for an ER visit in Naples hospitals?
Among the Naples hospitals on this page, Florida Blue rates run from $280.50 at Physicians Regional Medical Center - Collier Boulevard to $2,901.02 at NCH Baker Hospital (Naples Community Hospital). The highest is about 10x the lowest. Figures are facility charges only, and rates vary by code and plan.
What is the difference between ER visit codes 99283, 99284 and 99285?
The codes are ER Visit Level 3 (Moderate), Level 4 (High/Urgent) and Level 5 (Critical). At NCH Baker Hospital (Naples Community Hospital), cash prices are $894.80, $1,466.40 and $1,701.60 respectively. These are facility charges only. The hospital assigns the code after the visit, not before.
Compare Other Procedures in Naples
Data Sources
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Heads up: source files are large
Hospital CMS transparency files typically range from tens of megabytes to several hundred megabytes. Clicking a link below will open the file in a new tab and may trigger a large download, which can consume mobile data or slow down older devices. These files are intended for data processing, not casual viewing.
NCH Baker Hospital (Naples Community Hospital)
File updated: 2026-07-01 · Accessed by us: 2026-10-15
Attested by: Noble Arrington
We are not affiliated with NCH Baker Hospital (Naples Community Hospital). Published prices may not reflect your actual cost. Disclaimer
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Physicians Regional Medical Center - Collier Boulevard
File updated: 2026-04-01 · Accessed by us: 2026-10-15
Attested by: Scott Lowe
We are not affiliated with Physicians Regional Medical Center - Collier Boulevard. Published prices may not reflect your actual cost. Disclaimer
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Physicians Regional Medical Center - Pine Ridge
File updated: 2026-04-01 · Accessed by us: 2026-10-15
Attested by: Scott Lowe
We are not affiliated with Physicians Regional Medical Center - Pine Ridge. Published prices may not reflect your actual cost. Disclaimer
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