healthcosts.net
Knee X-ray at Advocate Sherman Hospital
1425 North Randall Road, Elgin, IL · Advocate Health · · NPI 1629026364
$350.00
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.
$700.00
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.
$105.00 with Blue Cross Blue Shield City of Chicago vs $504.00 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 |
|---|---|---|---|
| Blue Cross Blue Shield City of Chicago | Commercial | $105.00 | ↓ -70% |
| Blue Cross Blue Shield Choice | Commercial | $113.46 | ↓ -68% |
| Blue Cross Blue Shield | PPO | $119.43 | ↓ -66% |
| Aetna | Commercial | $126.93 | ↓ -64% |
| Ambetter | Medicare Advantage | $160.73 | ↓ -54% |
| Molina | Medicare Advantage | $160.73 | ↓ -54% |
| Cigna | Commercial | $163.65 | ↓ -53% |
| Cigna One Health | Commercial | $163.65 | ↓ -53% |
| Oscar Health HMO | Medicare Advantage | $166.28 | ↓ -52% |
| United Healthcare Charter | Commercial | $174.00 | ↓ -50% |
| United Healthcare Core Navigate | Commercial | $193.00 | ↓ -45% |
| United Healthcare Nexus | Commercial | $195.00 | ↓ -44% |
| HSTechnology | Medicare Advantage | $212.83 | ↓ -39% |
| United Healthcare | HMO | $220.00 | ↓ -37% |
| Advocate Employee | Commercial | $220.64 | ↓ -37% |
| Blue Cross Blue Shield Blue Precision | Managed Care | $320.32 | ↓ -8% |
| Blue Cross Blue Shield | HMO | $326.48 | ↓ -7% |
| Private Healthcare Systems | Commercial | $453.60 | ↑ +30% |
| Multiplan | Commercial | $504.00 | ↑ +44% |
Visitor-reported prices
Comments
Knee X-ray at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $293.40 | $54.71 – $265.69 |
| MercyOne Genesis Aledo Medical Center | Aledo | $293.40 | $146.70 – $153.22 |
| Advocate Christ Medical Center | Oak Lawn | $330.00 | $126.93 – $634.00 |
| Advocate Condell Medical Center | Libertyville | $440.00 | $126.93 – $568.00 |
| Advocate Good Samaritan Hospital | Downers Grove | $515.00 | $126.93 – $656.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $314.43 | $10.22 – $173.33 |
| Advocate Illinois Masonic Medical Center | Chicago | $420.00 | $126.93 – $634.00 |
| Advocate Childrens Hospital - Park Ridge | Park Ridge | $575.00 | $126.93 – $736.00 |