Chrom analysis at Advocate Sherman Hospital
1425 North Randall Road, Elgin, IL · Advocate Health · · NPI 1629026364
$255.00
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.
$510.00
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.
$34.81 with United Healthcare Nexus vs $459.00 with Multiplan — 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 |
|---|---|---|---|
| United Healthcare Nexus | Commercial | $34.81 | ↓ -86% |
| United Healthcare Charter | Commercial | $34.81 | ↓ -86% |
| United Healthcare | HMO | $34.81 | ↓ -86% |
| United Healthcare Core Navigate | Commercial | $34.81 | ↓ -86% |
| Molina | Medicare Advantage | $50.47 | ↓ -80% |
| Ambetter | Medicare Advantage | $50.47 | ↓ -80% |
| Oscar Health HMO | Medicare Advantage | $52.22 | ↓ -80% |
| HSTechnology | Medicare Advantage | $66.84 | ↓ -74% |
| Blue Cross Blue Shield City of Chicago | Commercial | $73.90 | ↓ -71% |
| Blue Cross Blue Shield Choice | Commercial | $79.85 | ↓ -69% |
| Blue Cross Blue Shield | PPO | $84.05 | ↓ -67% |
| Cigna One Health | Commercial | $157.74 | ↓ -38% |
| Cigna | Commercial | $157.74 | ↓ -38% |
| Aetna | Commercial | $174.12 | ↓ -32% |
| Advocate Employee | Commercial | $200.94 | ↓ -21% |
| Blue Cross Blue Shield Blue Precision | Managed Care | $291.72 | ↑ +14% |
| Blue Cross Blue Shield | HMO | $297.33 | ↑ +17% |
| Private Healthcare Systems | Commercial | $413.10 | ↑ +62% |
| Multiplan | Commercial | $459.00 | ↑ +80% |
Visitor-reported prices
Comments
Chrom analysis at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $173.40 | $35.34 – $265.88 |
| MercyOne Genesis Aledo Medical Center | Aledo | $173.40 | $40.03 – $76.61 |
| Uchicago Medicine Adventhealth Hinsdale | Hinsdale | $21.25 | $34.08 – $56.39 |
| Advocate Christ Medical Center | Oak Lawn | $255.00 | $34.81 – $408.00 |
| Advocate Condell Medical Center | Libertyville | $255.00 | $34.81 – $408.00 |
| Advocate Good Samaritan Hospital | Downers Grove | $255.00 | $34.81 – $408.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $127.86 | $3.50 – $70.48 |
| Uchicago Medicine Adventhealth La Grange | La Grange | $21.25 | $34.08 – $56.39 |