After cataract laser surgery at OSF St Mary Medical Center
3333 North Seminary, Galesburg, IL · Osfhealthcare · · NPI 1164485363
not published by hospital
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.
not published by hospital
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.
$589.39 with Humana vs $3,176.00 with Caterpillar — 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 |
|---|---|---|---|
| Humana | Medicare Managed Care Plan | $589.39 | — |
| Aetna | Medicare Managed Care Plan | $595.28 | — |
| BCBS | Medicare Managed Care Plan | $601.18 | — |
| UnitedHealthCare | All Commercial Plans | $1,963.00 | — |
| Caterpillar | All Commercial Plans | $3,176.00 | — |
Visitor-reported prices
Comments
After cataract laser surgery at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Aledo Medical Center | Aledo | $1,017.00 | $508.50 – $531.10 |
| UnityPoint Health - Trinity Moline | Rock Island | $1,640.00 | $278.82 – $565.32 |
| Advocate South Suburban Hospital | Hazel Crest | $915.00 | $721.02 – $6,071.00 |
| OSF Saint Elizabeth Medical Center | Ottawa | $1,305.00 | $589.39 – $601.18 |
| OSF Saint James John W Albrecht Medical Center | Pontiac | $1,516.80 | $589.39 – $3,541.00 |
| HSHS Holy Family Hospital | GREENVILLE | $519.84 | $517.87 – $1,473.47 |
| HSHS St. Anthony's Memorial Hospital | Mattoon | $1,441.44 | $517.87 – $2,002.00 |
| HSHS St. Francis Hospital | LITCHFIELD | $1,606.32 | $706.11 – $2,231.00 |