Tilt table study at Advocate Sherman Hospital
1425 North Randall Road, Elgin, IL · Advocate Health · · NPI 1629026364
$1,320.00
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.
$2,640.00
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.
$501.70 with Blue Cross Blue Shield City of Chicago vs $2,376.00 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 |
|---|---|---|---|
| Blue Cross Blue Shield City of Chicago | Commercial | $501.70 | ↓ -62% |
| Blue Cross Blue Shield Choice | Commercial | $542.12 | ↓ -59% |
| Blue Cross Blue Shield | PPO | $570.66 | ↓ -57% |
| Ambetter | Medicare Advantage | $802.01 | ↓ -39% |
| Molina | Medicare Advantage | $802.01 | ↓ -39% |
| Oscar Health HMO | Medicare Advantage | $829.66 | ↓ -37% |
| Advocate Employee | Commercial | $1,040.16 | ↓ -21% |
| HSTechnology | Medicare Advantage | $1,061.97 | ↓ -20% |
| United Healthcare Charter | Commercial | $1,254.00 | ↓ -5% |
| Blue Cross Blue Shield Blue Precision | Managed Care | $1,293.60 | ↓ -2% |
| Cigna One Health | Commercial | $1,372.80 | ↑ +4% |
| United Healthcare Core Navigate | Commercial | $1,388.64 | ↑ +5% |
| United Healthcare Nexus | Commercial | $1,425.60 | ↑ +8% |
| Aetna | Commercial | $1,527.77 | ↑ +16% |
| Blue Cross Blue Shield | HMO | $1,539.12 | ↑ +17% |
| United Healthcare | HMO | $1,584.00 | ↑ +20% |
| Cigna | Commercial | $1,742.40 | ↑ +32% |
| Private Healthcare Systems | Commercial | $2,138.40 | ↑ +62% |
| Multiplan | Commercial | $2,376.00 | ↑ +80% |
Visitor-reported prices
Comments
Tilt table study at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $1,339.20 | $168.13 – $2,053.44 |
| MercyOne Genesis Aledo Medical Center | Aledo | $1,339.20 | $349.00 – $1,049.04 |
| Uchicago Medicine Adventhealth Hinsdale | Hinsdale | $750.00 | $391.49 – $647.81 |
| Advocate Christ Medical Center | Oak Lawn | $1,320.00 | $802.01 – $2,112.00 |
| Advocate Condell Medical Center | Libertyville | $1,320.00 | $656.78 – $2,112.00 |
| Advocate Good Samaritan Hospital | Downers Grove | $1,320.00 | $802.01 – $2,112.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $2,052.47 | $65.71 – $1,131.42 |
| Uchicago Medicine Adventhealth La Grange | La Grange | $750.00 | $391.49 – $647.81 |