healthcosts.net
ER Visit (level 5, high severity) at Advocate Good Samaritan Hospital
3815 Highland Avenue, Downers Grove, IL · Advocate Health · · NPI 1578670543
$2,040.00
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.
$4,080.00
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.
$926.71 with Ambetter vs $4,020.00 with United Healthcare — 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 |
|---|---|---|---|
| Ambetter | Medicare Advantage | $926.71 | ↓ -55% |
| Molina | Medicare Advantage | $926.71 | ↓ -55% |
| Oscar Health HMO | Medicare Advantage | $958.66 | ↓ -53% |
| HSTechnology | Medicare Advantage | $1,227.09 | ↓ -40% |
| Advocate Employee | Commercial | $1,607.52 | ↓ -21% |
| United Healthcare Charter | Commercial | $2,033.00 | ↓ -0% |
| Cigna | Commercial | $2,040.00 | ↑ +0% |
| Cigna One Health | Commercial | $2,121.60 | ↑ +4% |
| Blue Cross Blue Shield City of Chicago | Commercial | $2,131.76 | ↑ +4% |
| Aetna | Commercial | $2,201.16 | ↑ +8% |
| Blue Cross Blue Shield Choice | Commercial | $2,305.31 | ↑ +13% |
| United Healthcare Nexus | Commercial | $2,355.00 | ↑ +15% |
| Blue Cross Blue Shield | PPO | $2,426.28 | ↑ +19% |
| Private Healthcare Systems | Commercial | $2,529.60 | ↑ +24% |
| Blue Cross Blue Shield Blue Precision | Managed Care | $3,153.84 | ↑ +55% |
| Blue Cross Blue Shield | HMO | $3,215.04 | ↑ +58% |
| Multiplan | Commercial | $3,264.00 | ↑ +60% |
| United Healthcare Core Navigate | Commercial | $3,473.00 | ↑ +70% |
| United Healthcare | HMO | $4,020.00 | ↑ +97% |
Visitor-reported prices
Comments
ER Visit (level 5, high severity) at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $4,962.60 | $317.44 – $808.48 |
| MercyOne Genesis Aledo Medical Center | Aledo | $899.40 | $327.00 – $674.55 |
| Advocate Christ Medical Center | Oak Lawn | $1,690.00 | $926.71 – $4,020.00 |
| Advocate Condell Medical Center | Libertyville | $1,505.00 | $926.71 – $2,869.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $1,508.39 | $21.67 – $476.97 |
| Advocate Illinois Masonic Medical Center | Chicago | $1,950.00 | $926.71 – $4,020.00 |
| Advocate Childrens Hospital - Park Ridge | Park Ridge | $1,430.00 | $926.71 – $4,020.00 |
| Advocate Sherman Hospital | Elgin | $1,400.00 | $926.71 – $2,520.00 |