healthcosts.net
Lower Back (Lumbar Spine) MRI (without contrast) at Advocate Sherman Hospital
1425 North Randall Road, Elgin, IL · Advocate Health · · NPI 1629026364
$1,790.00
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.
?
What you pay up front if you don't use insurance.
$3,580.00
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.
?
The hospital's undiscounted list price — almost no one pays this.
$365.36 with Ambetter vs $3,222.00 with Multiplan — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 | $365.36 | ↓ -80% |
| Molina | Medicare Advantage | $365.36 | ↓ -80% |
| Oscar Health HMO | Medicare Advantage | $377.96 | ↓ -79% |
| HSTechnology | Medicare Advantage | $483.79 | ↓ -73% |
| Cigna | Commercial | $1,096.00 | ↓ -39% |
| Cigna One Health | Commercial | $1,096.00 | ↓ -39% |
| United Healthcare | HMO | $1,276.00 | ↓ -29% |
| United Healthcare Charter | Commercial | $1,276.00 | ↓ -29% |
| United Healthcare Core Navigate | Commercial | $1,276.00 | ↓ -29% |
| United Healthcare Nexus | Commercial | $1,276.00 | ↓ -29% |
| Advocate Employee | Commercial | $1,410.52 | ↓ -21% |
| Aetna | Commercial | $1,613.00 | ↓ -10% |
| Blue Cross Blue Shield City of Chicago | Commercial | $1,620.48 | ↓ -9% |
| Blue Cross Blue Shield Choice | Commercial | $1,751.04 | ↓ -2% |
| Blue Cross Blue Shield | PPO | $1,843.20 | ↑ +3% |
| Blue Cross Blue Shield Blue Precision | Managed Care | $2,047.76 | ↑ +14% |
| Blue Cross Blue Shield | HMO | $2,087.14 | ↑ +17% |
| Private Healthcare Systems | Commercial | $2,899.80 | ↑ +62% |
| Multiplan | Commercial | $3,222.00 | ↑ +80% |
Visitor-reported prices
Comments
Lower Back (Lumbar Spine) MRI (without contrast) at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $1,750.80 | $235.87 – $3,022.00 |
| MercyOne Genesis Aledo Medical Center | Aledo | $1,750.80 | $268.49 – $923.55 |
| Advocate Christ Medical Center | Oak Lawn | $1,210.00 | $365.36 – $1,936.00 |
| Advocate Condell Medical Center | Libertyville | $1,765.00 | $365.36 – $2,824.00 |
| Advocate Good Samaritan Hospital | Downers Grove | $1,505.00 | $365.36 – $2,408.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $2,729.83 | $64.86 – $1,504.82 |
| Advocate Illinois Masonic Medical Center | Chicago | $2,125.00 | $365.36 – $2,160.00 |
| Advocate Childrens Hospital - Park Ridge | Park Ridge | $1,700.00 | $365.36 – $2,720.00 |