Group mnt 2 or more 30 mins at Advocate Sherman Hospital
1425 North Randall Road, Elgin, IL · Advocate Health · · NPI 1629026364
$45.00
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.
$90.00
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.
$24.75 with Ambetter vs $292.00 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 | $24.75 | ↓ -45% |
| Molina | Medicare Advantage | $24.75 | ↓ -45% |
| Oscar Health HMO | Medicare Advantage | $25.60 | ↓ -43% |
| HSTechnology | Medicare Advantage | $32.77 | ↓ -27% |
| Blue Cross Blue Shield City of Chicago | Commercial | $35.00 | ↓ -22% |
| Advocate Employee | Commercial | $35.46 | ↓ -21% |
| Blue Cross Blue Shield Choice | Commercial | $37.83 | ↓ -16% |
| Blue Cross Blue Shield | PPO | $39.82 | ↓ -12% |
| Cigna One Health | Commercial | $46.80 | ↑ +4% |
| Blue Cross Blue Shield Blue Precision | Managed Care | $51.48 | ↑ +14% |
| Aetna | Commercial | $52.08 | ↑ +16% |
| Blue Cross Blue Shield | HMO | $52.47 | ↑ +17% |
| Cigna | Commercial | $59.40 | ↑ +32% |
| Private Healthcare Systems | Commercial | $72.90 | ↑ +62% |
| Multiplan | Commercial | $81.00 | ↑ +80% |
| United Healthcare Charter | Commercial | $230.00 | ↑ +411% |
| United Healthcare Core Navigate | Commercial | $255.00 | ↑ +467% |
| United Healthcare Nexus | Commercial | $262.00 | ↑ +482% |
| United Healthcare | HMO | $292.00 | ↑ +549% |
Visitor-reported prices
Comments
Group mnt 2 or more 30 mins at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $39.60 | $60.72 – $203.04 |
| MercyOne Genesis Aledo Medical Center | Aledo | $39.60 | $549.89 – $2,970.16 |
| UnityPoint Health - Trinity Moline | Rock Island | $45.61 | $14.14 – $32.40 |
| Advocate Illinois Masonic Medical Center | Chicago | $45.00 | $24.75 – $429.00 |
| Ascension Saint Joseph - Chicago (Presence Chicago Hospital Network) | Chicago | $14.19 | $15.06 – $29.70 |
| Uchicago Medicine Adventhealth Hinsdale | Hinsdale | not published | $11.97 – $19.81 |
| Advocate Christ Medical Center | Oak Lawn | not published | $24.75 – $82.66 |
| Advocate Condell Medical Center | Libertyville | not published | $24.75 – $52.12 |