Repair lac palate<2 cm at OSF St Joseph Medical Center
2200 E Washington, Bloomington, IL · Osfhealthcare · · NPI 1619916806
$967.80
Cash price Discounted cash price What a hospital charges a self-pay patient who pays directly, without going through insurance — usually well below the gross charge. Example: A CT scan has a $3,200 gross charge but an $850 discounted cash price. Ask for it by name when scheduling — hospitals don't always advertise it up front.
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What you pay up front if you don't use insurance.
$1,613.00
Gross charge Gross charge (chargemaster price) The hospital's full, undiscounted list price — pulled from its internal "chargemaster" price list. Almost no one actually pays this. Example: A chest X-ray has a gross charge of $1,450. The same hospital's discounted cash price for the same X-ray is $180 — the gross charge mostly anchors negotiations, not what patients pay.
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The hospital's undiscounted list price — almost no one pays this.
$577.95 with Health Alliance Plan vs $1,383.00 with Caterpillar — same scan, same building. Share
Negotiated rates by payer
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Negotiated rate
The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.
Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.
Full explanation →
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Negotiated rate
The price a specific insurance plan agreed to pay the hospital for a service — it varies by insurer, and even by plan within the same insurer.
Example: The same knee MRI has a negotiated rate of $904 with one insurer's PPO plan and $1,509 with another's — identical hospital, identical scan.
Full explanation →Payer ?Payer The insurance company footing the bill — Aetna, UnitedHealthcare, Medicare, and so on. Example: "Blue Cross Blue Shield" is the payer. Its negotiated rate for an MRI might be $904, while a different payer's negotiated rate for the same scan is $1,509. Full explanation → |
Plan ?Plan The specific product an insurer sells — e.g. "Blue Cross PPO 500" — which sets your deductible, coinsurance and negotiated rates. Example: Two people both insured by Aetna can owe very different amounts for the same MRI: $50 with an HMO plan's flat copay, or the full $1,200 toward a high-deductible PPO plan's unmet deductible. Full explanation → |
Negotiated rate | vs. cash |
|---|---|---|---|
| Health Alliance Plan | Medicare Managed Care Plan | $577.95 | ↓ -40% |
| Aetna | Medicare Managed Care Plan | $583.73 | ↓ -40% |
| BCBS | Medicare Managed Care Plan | $589.51 | ↓ -39% |
| UnitedHealthCare | All Commercial Plans | $693.00 | ↓ -28% |
| Caterpillar | All Commercial Plans | $1,383.00 | ↑ +43% |
Visitor-reported prices
Comments
Repair lac palate<2 cm at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Northwestern Memorial Hospital | Chicago | $1,138.20 | not published |
| Advocate Condell Medical Center | Libertyville | $580.00 | $457.04 – $1,019.24 |
| UnityPoint Health - Trinity Moline | Rock Island | $618.40 | $169.91 – $453.81 |
| Advocate Illinois Masonic Medical Center | Chicago | $580.00 | $457.04 – $1,019.24 |
| OSF Sacred Heart Medical Center – Urbana | Danville | $905.40 | $577.95 – $4,342.00 |
| OSF Saint Anthony Medical Center | Rockford | $813.60 | $262.53 – $2,022.84 |
| OSF Saint Elizabeth Medical Center | Ottawa | $430.80 | not published |
| OSF Saint James John W Albrecht Medical Center | Pontiac | $1,184.80 | $577.95 – $1,766.00 |