Beware! I was on vacation in Navarre last month. After swimming in the ocean, the wax in my ears must have shifted and I couldn't hear. I have never had this happen so I went to what I thought was an "urgent care" clinic. As it turns out, HCA Florida Navarre Emergency Care is a Level 3 "Freestanding Emergency Room." I later found out this designation comes at a steep price. Depending on your insurance company (and coverage), you *could* be liable for the full Charge Master rate(s) which are substantial at $2,621.25. See my attached bill. If you have a high deductible plan, you could be forced to pay this amount, even if your insurance company considers them "in network" (like mine). I repeat - the minimum fee to walk into this ER facility and receive care is $2,621.25, plus customary fees for service. Here is a breakdown of the bill I just received..."Drgs/Other" - $81, "Sterile Supplies" - $17 and "Emergency Room" - $2,621.25. Let that sink in! I was there for 45 minutes to shoot water in ears! And one ear was still blocked - I ended up buying an ear syringe at Walmart for $6 and finishing the irrigation myself. While there, my wife and I asked them repeatedly how much I would be charged for the visit, and they said it would be around $200. When I called to pay the bill, Sabrina in the HCA billing department told me they would take 25% off the total price if I paid the bill in full (rather than make payments). She said the offer would "go away" after 10 business days, and I would have to pay the full amount. I felt like this was a pressure tactic. I asked her "Can you offer me a better discount?" She said "No this is the best discount we offer." I told her I would think about it. I called back later the same day and got a different girl who offered me a 35% discount. So in the least, Sabrina lied. I ended up paying $1767.51 for something that should have been $200 max. Learn from my mistake and find a local clinic with reasonable fees. read more