Biopsy of heart lining at OSF Little Company of Mary Medical Center
2800 W 95Th St, Evergreen Park, IL · Osfhealthcare · · NPI 1215572045
$3,144.00
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.
$5,240.00
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.
$1,094.00 with Aetna vs $6,293.52 with BCBS — 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 |
|---|---|---|---|
| Aetna | All Commercial Plans | $1,094.00 | ↓ -65% |
| Allwell | Medicare Managed Care | $3,383.62 | ↑ +8% |
| WellCare | Medicare Managed Care Plan | $3,417.45 | ↑ +9% |
| Aetna | Medicare Managed Care Plan | $3,451.29 | ↑ +10% |
| IlliniCare Health Plan | Ambetter Exchange | $4,060.34 | ↑ +29% |
| Molina Healthcare | Exchange | $4,737.06 | ↑ +51% |
| UnitedHealthCare | All Commercial Plans | $5,247.00 | ↑ +67% |
| BCBS | Choice PPO | $6,293.52 | ↑ +100% |
Visitor-reported prices
Comments
Biopsy of heart lining at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $3,648.60 | $1,945.92 – $5,594.52 |
| Advocate Christ Medical Center | Oak Lawn | $3,035.00 | $2,391.58 – $17,439.00 |
| Advocate Condell Medical Center | Libertyville | $4,895.00 | $2,902.06 – $9,476.00 |
| Advocate Good Samaritan Hospital | Downers Grove | $3,390.00 | $2,671.32 – $17,439.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $2,276.64 | $196.63 – $2,448.63 |
| SSM Health Good Samaritan Hospital - Mt. Vernon | Mount Vernon | $2,781.90 | $3,383.62 – $3,552.80 |
| Advocate Illinois Masonic Medical Center | Chicago | $3,590.00 | $2,828.92 – $17,439.00 |
| Advocate Childrens Hospital - Park Ridge | Park Ridge | $4,180.00 | $3,293.84 – $17,439.00 |