Breast punct aspir cyst, bil at Northwestern Medicine McHenry Hospital
4201 Medical Center Drive, McHenry, IL · Nm · · NPI 1427065499
$968.10
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.
$1,383.00
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.
$266.92 with AETNA HEALTH PLAN [171] vs $1,383.00 with BLUE CROSS BLUE SHIELD [1401] — 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] | NWR AETNA NM EMPLOYEES | $266.92 | ↓ -72% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA ALTERNATIVE | $272.45 | ↓ -72% |
| MERCY CARE HEALTH PLANS [5013] | NWR MERCY CARE | $419.74 | ↓ -57% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BROAD | $427.35 | ↓ -56% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PPO | $468.84 | ↓ -52% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS PPO | $468.84 | ↓ -52% |
| AETNA HEALTH PLAN [171] | NWR AETNA APCN/SP | $475.75 | ↓ -51% |
| AETNA HEALTH PLAN [171] | NWR AETNA IL PREFERRED | $490.97 | ↓ -49% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS HMO | $493.45 | ↓ -49% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS HMO | $493.45 | ↓ -49% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE PREFERRED | $661.07 | ↓ -32% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE OPTIONS | $661.07 | ↓ -32% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE SELECT | $661.07 | ↓ -32% |
| AETNA HEALTH PLAN [171] | NWR AETNA | $673.52 | ↓ -30% |
| HEALTHLINK [125] | NWR SEIU HEALTHLINK | $691.50 | ↓ -29% |
| AETNA HEALTH PLAN [171] | NWR AETNA ASA | $726.08 | ↓ -25% |
| CHOICECARE [177] | NWR CHOICE CARE | $735.76 | ↓ -24% |
| MULTIPLAN/PHCS [142] | NWR PHCS PPO | $760.65 | ↓ -21% |
| THE ALLIANCE [1703] | NWR THE ALLIANCE | $888.30 | ↓ -8% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PLATINUM EPO | $968.10 | ↑ +0% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PPO | $1,009.59 | ↑ +4% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BEHAVORIAL BHS | $1,037.25 | ↑ +7% |
| BEECHSTREET [176] | NWR BEECHSTREET | $1,106.40 | ↑ +14% |
| MULTIPLAN/PHCS [142] | NWR NON-CONTRACTED PAYORS | $1,383.00 | ↑ +43% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PAR/INDEMNITY ADP | $1,383.00 | ↑ +43% |
| GLOBAL EXCEL [1712] | NWR MEDICARE | not published by hospital | — |
| ALTERNATE HUMANA MEDICARE ADV [2409] | NWR HUMANA MEDICARE ADVT | not published by hospital | — |
| ALTERNATE BLUE CROSS MEDICARE ADV [2304] | NWR BLUE CROSS MEDICARE ADVT | not published by hospital | — |
Visitor-reported prices
Comments
Breast punct aspir cyst, bil at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $825.60 | $279.36 – $2,573.12 |
| MercyOne Genesis Aledo Medical Center | Aledo | $825.60 | $412.65 – $430.99 |
| Uchicago Medicine Adventhealth Hinsdale | Hinsdale | $281.25 | $430.00 – $1,229.33 |
| Advocate Christ Medical Center | Oak Lawn | $555.00 | $437.34 – $6,071.00 |
| Northwestern Memorial Hospital | Chicago | $1,248.10 | not published |
| Advocate Condell Medical Center | Libertyville | $840.00 | $661.92 – $4,681.00 |
| Advocate Good Samaritan Hospital | Downers Grove | $905.00 | $713.14 – $6,071.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $672.51 | $38.10 – $547.36 |