Rf abltj nrv nrvtg si jt at Northwestern Lake Forest Hospital DBA Northwestern Medicine Catherine Gratz Griffin Lake Forest Hospital
1000 N. Westmoreland Rd., Lake Forest, IL · Nm · · NPI 1124025176
$4,444.30
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.
$6,349.00
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.
$1,053.93 with AETNA HEALTH PLAN [171] vs $6,349.00 with MULTIPLAN/PHCS [142] — 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 HEALTH PLAN [171] | NLFH AETNA NM EMPLOYEES | $1,053.93 | ↓ -76% |
| ALTERNATE BLUE CROSS [1402] | NLFH BCBS HMO | $1,345.35 | ↓ -70% |
| BLUE CROSS BLUE SHIELD [1401] | NLFH BCBS HMO | $1,345.35 | ↓ -70% |
| BLUE CROSS BLUE SHIELD [1401] | NLFH BCBS BLUECHOICE PREFERRED | $1,485.67 | ↓ -67% |
| BLUE CROSS BLUE SHIELD [1401] | NLFH BCBS BLUECHOICE SELECT | $1,485.67 | ↓ -67% |
| BLUE CROSS BLUE SHIELD [1401] | NLFH BCBS BLUECHOICE OPTIONS | $1,485.67 | ↓ -67% |
| BLUE CROSS BLUE SHIELD [1401] | NLFH BCBS PPO | $1,733.28 | ↓ -61% |
| ALTERNATE BLUE CROSS [1402] | NLFH BCBS PPO | $1,733.28 | ↓ -61% |
| CIGNA HEALTH PLAN [178] | NLFH CIGNA ALTERNATIVE | $2,393.57 | ↓ -46% |
| AETNA HEALTH PLAN [171] | NLFH AETNA | $2,730.07 | ↓ -39% |
| BLUE CROSS BLUE SHIELD [1401] | NLFH BC LAKE COUNTY PHYS ASSOC IPA | $2,857.05 | ↓ -36% |
| AETNA HEALTH PLAN [171] | NLFH AETNA ASA | $2,888.80 | ↓ -35% |
| HEALTHLINK [125] | NLFH SEIU HEALTHLINK | $3,174.50 | ↓ -29% |
| HEALTH'S FINEST NETWORK [126] | NLFH HFN PLATINUM/CHC ELITE | $4,057.01 | ↓ -9% |
| THE ALLIANCE [1703] | NLFH THE ALLIANCE | $4,077.96 | ↓ -8% |
| CIGNA HEALTH PLAN [178] | NLFH CIGNA BROAD | $4,114.15 | ↓ -7% |
| MULTIPLAN/PHCS [142] | NLFH PHCS | $5,079.20 | ↑ +14% |
| BEECHSTREET [176] | NLFH PHCS | $5,079.20 | ↑ +14% |
| FIRST HEALTH PLAN [6034] | NLFH FIRST HEALTH | $5,206.18 | ↑ +17% |
| HEALTH'S FINEST NETWORK [126] | NLFH HFN PPO | $5,714.10 | ↑ +29% |
| BLUE CROSS BLUE SHIELD [1401] | NLFH BCBS PAR/INDEMNITY ADP | $6,349.00 | ↑ +43% |
| UNITED HEALTHCARE [158] | NLFH UHC NON-CONTRACTED OON - ED ONLY | $6,349.00 | ↑ +43% |
| MULTIPLAN/PHCS [142] | NLFH NON-CONTRACTED PAYORS | $6,349.00 | ↑ +43% |
| BLUE CROSS BLUE SHIELD [1401] | NLFH ADVOCATE IPA | not published by hospital | — |
| GLOBAL EXCEL [1712] | NLFH MEDICARE | not published by hospital | — |
| ALTERNATE HUMANA MEDICARE ADV [2409] | NLFH HUMANA MEDICARE ADVT | not published by hospital | — |
| ALTERNATE BLUE CROSS MEDICARE ADV [2304] | NLFH BLUE CROSS MEDICARE ADVT | not published by hospital | — |
| HUMANA HEALTH PLAN [130] | NLFH ADVOCATE IPA | not published by hospital | — |
Visitor-reported prices
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Rf abltj nrv nrvtg si jt at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Uchicago Medicine Adventhealth Hinsdale | Hinsdale | $1,125.00 | $2,048.63 – $3,389.97 |
| Northwestern Memorial Hospital | Chicago | $5,419.19 | $8.00 – $8.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $2,441.60 | $178.91 – $731.75 |
| Uchicago Medicine Adventhealth La Grange | La Grange | $1,125.00 | $2,048.63 – $3,389.97 |
| Advocate Illinois Masonic Medical Center | Chicago | $3,070.00 | $2,419.16 – $12,362.00 |
| Advocate Childrens Hospital - Park Ridge | Park Ridge | $1,135.00 | $894.38 – $12,362.00 |
| Advocate Sherman Hospital | Elgin | $1,570.00 | $1,164.94 – $6,482.00 |
| Advocate South Suburban Hospital | Hazel Crest | $3,125.00 | $2,462.50 – $12,362.00 |