Coch imp ext proc/contr rplc at Northwestern Medicine McHenry Hospital
4201 Medical Center Drive, McHenry, IL · Nm · · NPI 1427065499
$11,868.77
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.
$16,955.38
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.
$2,816.74 with AETNA HEALTH PLAN [171] vs $14,594.50 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 | $2,816.74 | ↓ -76% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA ALTERNATIVE | $2,875.12 | ↓ -76% |
| AETNA HEALTH PLAN [171] | NWR AETNA | $4,261.59 | ↓ -64% |
| AETNA HEALTH PLAN [171] | NWR AETNA ASA | $4,261.59 | ↓ -64% |
| MERCY CARE HEALTH PLANS [5013] | NWR MERCY CARE | $4,429.43 | ↓ -63% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BROAD | $4,509.70 | ↓ -62% |
| AETNA HEALTH PLAN [171] | NWR AETNA APCN/SP | $5,020.51 | ↓ -58% |
| AETNA HEALTH PLAN [171] | NWR AETNA IL PREFERRED | $5,181.05 | ↓ -56% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS HMO | $5,207.32 | ↓ -56% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS HMO | $5,207.32 | ↓ -56% |
| UNITED HEALTHCARE [158] | NWR UHC CORE | $6,917.79 | ↓ -42% |
| HEALTHLINK [125] | NWR SEIU HEALTHLINK | $7,297.25 | ↓ -39% |
| UNITED HEALTHCARE [158] | NWR UHC HMO/PPO | $7,691.30 | ↓ -35% |
| CHOICECARE [177] | NWR CHOICE CARE | $7,764.27 | ↓ -35% |
| MULTIPLAN/PHCS [142] | NWR PHCS PPO | $9,194.54 | ↓ -23% |
| THE ALLIANCE [1703] | NWR THE ALLIANCE | $9,374.05 | ↓ -21% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PLATINUM EPO | $10,216.15 | ↓ -14% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PPO | $10,653.99 | ↓ -10% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BEHAVORIAL BHS | $10,945.88 | ↓ -8% |
| BEECHSTREET [176] | NWR BEECHSTREET | $11,675.60 | ↓ -2% |
| MULTIPLAN/PHCS [142] | NWR NON-CONTRACTED PAYORS | $14,594.50 | ↑ +23% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PAR/INDEMNITY ADP | $14,594.50 | ↑ +23% |
| ALTERNATE BLUE CROSS MEDICARE ADV [2304] | NWR BLUE CROSS MEDICARE ADVT | not published by hospital | — |
| GLOBAL EXCEL [1712] | NWR MEDICARE | not published by hospital | — |
| ALTERNATE HUMANA MEDICARE ADV [2409] | NWR HUMANA MEDICARE ADVT | not published by hospital | — |
Visitor-reported prices
Comments
Coch imp ext proc/contr rplc at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| OSF Holy Family Medical Center | Monmouth | $44,148.00 | not published |
| OSF Sacred Heart Medical Center – Urbana | Danville | $33,111.00 | not published |
| OSF Saint Anthony's Health Center | Alton | $33,111.00 | not published |
| OSF Saint Anthony Medical Center | Rockford | $33,111.00 | $7,255.29 – $36,225.21 |
| OSF St Joseph Medical Center | Bloomington | $33,111.00 | not published |
| OSF Saint Elizabeth Medical Center | Ottawa | $33,111.00 | not published |
| OSF Saint James John W Albrecht Medical Center | Pontiac | $44,148.00 | not published |
| OSF Saint Paul Medical Center | Mendota | $44,148.00 | not published |