Ins pm gen exist dual lead at Advocate Sherman Hospital
1425 North Randall Road, Elgin, IL · Advocate Health · · NPI 1629026364
$10,385.00
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.
$20,770.00
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.
$7,705.67 with Blue Cross Blue Shield City of Chicago vs $44,924.85 with HSTechnology — 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 |
|---|---|---|---|
| Blue Cross Blue Shield City of Chicago | Commercial | $7,705.67 | ↓ -26% |
| Advocate Employee | Commercial | $8,183.38 | ↓ -21% |
| Blue Cross Blue Shield Choice | Commercial | $8,328.77 | ↓ -20% |
| Blue Cross Blue Shield | PPO | $8,764.94 | ↓ -16% |
| Blue Cross Blue Shield Blue Precision | Managed Care | $10,177.30 | ↓ -2% |
| Blue Cross Blue Shield | HMO | $10,364.23 | ↓ -0% |
| Cigna One Health | Commercial | $10,800.40 | ↑ +4% |
| Cigna | Commercial | $11,631.20 | ↑ +12% |
| Aetna | Commercial | $12,019.60 | ↑ +16% |
| Private Healthcare Systems | Commercial | $16,823.70 | ↑ +62% |
| Multiplan | Commercial | $18,693.00 | ↑ +80% |
| United Healthcare Charter | Commercial | $30,706.00 | ↑ +196% |
| Molina | Medicare Advantage | $33,927.62 | ↑ +227% |
| Ambetter | Medicare Advantage | $33,927.62 | ↑ +227% |
| United Healthcare Core Navigate | Commercial | $33,963.00 | ↑ +227% |
| United Healthcare Nexus | Commercial | $34,893.00 | ↑ +236% |
| Oscar Health HMO | Medicare Advantage | $35,097.54 | ↑ +238% |
| United Healthcare | HMO | $38,769.00 | ↑ +273% |
| HSTechnology | Medicare Advantage | $44,924.85 | ↑ +333% |
Visitor-reported prices
Comments
Ins pm gen exist dual lead at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $35,956.80 | $19,176.96 – $55,133.76 |
| Advocate Christ Medical Center | Oak Lawn | $5,500.00 | $4,334.00 – $111,480.00 |
| Advocate Condell Medical Center | Libertyville | $28,720.00 | $22,631.36 – $45,952.00 |
| Advocate Good Samaritan Hospital | Downers Grove | $30,175.00 | $23,777.90 – $111,480.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $36,983.20 | $323.50 – $20,386.98 |
| Advocate Illinois Masonic Medical Center | Chicago | $36,280.00 | $28,588.64 – $111,480.00 |
| Advocate Childrens Hospital - Park Ridge | Park Ridge | $12,130.00 | $9,558.44 – $111,480.00 |
| Advocate South Suburban Hospital | Hazel Crest | $16,260.00 | $12,812.88 – $111,480.00 |