healthcosts.net
ER Visit (level 5, high severity) at Advocate Condell Medical Center
801 South Milwaukee Avenue, Libertyville, IL · Advocate Health · · NPI 1124272547
$1,505.00
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.
$3,010.00
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.
$926.71 with Ambetter vs $2,869.00 with United Healthcare — 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 |
|---|---|---|---|
| Ambetter | Medicare Advantage | $926.71 | ↓ -38% |
| Molina | Medicare Advantage | $926.71 | ↓ -38% |
| Oscar Health HMO | Medicare Advantage | $958.66 | ↓ -36% |
| Advocate Employee | Commercial | $1,185.94 | ↓ -21% |
| HSTechnology | Medicare Advantage | $1,227.09 | ↓ -18% |
| Blue Cross Blue Shield City of Chicago | Commercial | $1,313.89 | ↓ -13% |
| Blue Cross Blue Shield Choice | Commercial | $1,420.65 | ↓ -6% |
| Blue Cross Blue Shield | PPO | $1,494.64 | ↓ -1% |
| Cigna | Commercial | $1,535.10 | ↑ +2% |
| Cigna One Health | Commercial | $1,565.20 | ↑ +4% |
| Private Healthcare Systems | Commercial | $1,565.20 | ↑ +4% |
| Aetna | Commercial | $1,741.89 | ↑ +16% |
| Blue Cross Blue Shield Blue Precision | Managed Care | $1,881.25 | ↑ +25% |
| Blue Cross Blue Shield | HMO | $1,914.36 | ↑ +27% |
| United Healthcare Charter | Commercial | $2,029.00 | ↑ +35% |
| United Healthcare Nexus | Commercial | $2,335.00 | ↑ +55% |
| Multiplan | Commercial | $2,408.00 | ↑ +60% |
| United Healthcare Core Navigate | Commercial | $2,464.00 | ↑ +64% |
| United Healthcare | HMO | $2,869.00 | ↑ +91% |
Visitor-reported prices
Comments
ER Visit (level 5, high severity) at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $4,962.60 | $317.44 – $808.48 |
| MercyOne Genesis Aledo Medical Center | Aledo | $899.40 | $327.00 – $674.55 |
| Advocate Christ Medical Center | Oak Lawn | $1,690.00 | $926.71 – $4,020.00 |
| Advocate Good Samaritan Hospital | Downers Grove | $2,040.00 | $926.71 – $4,020.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $1,508.39 | $21.67 – $476.97 |
| Advocate Illinois Masonic Medical Center | Chicago | $1,950.00 | $926.71 – $4,020.00 |
| Advocate Childrens Hospital - Park Ridge | Park Ridge | $1,430.00 | $926.71 – $4,020.00 |
| Advocate Sherman Hospital | Elgin | $1,400.00 | $926.71 – $2,520.00 |