Colonoscopy w/ablation at Northwestern Medicine McHenry Hospital
4201 Medical Center Drive, McHenry, IL · Nm · · NPI 1427065499
$16,613.78
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.
$23,733.97
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.
$1,343.67 with AETNA HEALTH PLAN [171] vs $6,962.00 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 | $1,343.67 | ↓ -92% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA ALTERNATIVE | $1,371.51 | ↓ -92% |
| MERCY CARE HEALTH PLANS [5013] | NWR MERCY CARE | $2,112.97 | ↓ -87% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BROAD | $2,151.26 | ↓ -87% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PPO | $2,360.12 | ↓ -86% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS PPO | $2,360.12 | ↓ -86% |
| AETNA HEALTH PLAN [171] | NWR AETNA APCN/SP | $2,394.93 | ↓ -86% |
| AETNA HEALTH PLAN [171] | NWR AETNA IL PREFERRED | $2,471.51 | ↓ -85% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS HMO | $2,484.04 | ↓ -85% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS HMO | $2,484.04 | ↓ -85% |
| UNITED HEALTHCARE [158] | NWR UHC CORE | $2,741.00 | ↓ -84% |
| UNITED HEALTHCARE [158] | NWR UHC HMO/PPO | $3,045.00 | ↓ -82% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE SELECT | $3,327.84 | ↓ -80% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE PREFERRED | $3,327.84 | ↓ -80% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE OPTIONS | $3,327.84 | ↓ -80% |
| AETNA HEALTH PLAN [171] | NWR AETNA | $3,390.49 | ↓ -80% |
| HEALTHLINK [125] | NWR SEIU HEALTHLINK | $3,481.00 | ↓ -79% |
| AETNA HEALTH PLAN [171] | NWR AETNA ASA | $3,655.05 | ↓ -78% |
| CHOICECARE [177] | NWR CHOICE CARE | $3,703.78 | ↓ -78% |
| MULTIPLAN/PHCS [142] | NWR PHCS PPO | $3,829.10 | ↓ -77% |
| THE ALLIANCE [1703] | NWR THE ALLIANCE | $4,471.69 | ↓ -73% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PLATINUM EPO | $4,873.40 | ↓ -71% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PPO | $5,082.26 | ↓ -69% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BEHAVORIAL BHS | $5,221.50 | ↓ -69% |
| BEECHSTREET [176] | NWR BEECHSTREET | $5,569.60 | ↓ -66% |
| MULTIPLAN/PHCS [142] | NWR NON-CONTRACTED PAYORS | $6,962.00 | ↓ -58% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PAR/INDEMNITY ADP | $6,962.00 | ↓ -58% |
| 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 | — |
| GLOBAL EXCEL [1712] | NWR MEDICARE | not published by hospital | — |
Visitor-reported prices
Comments
Colonoscopy w/ablation at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $1,099.20 | $982.39 – $1,685.44 |
| MercyOne Genesis Aledo Medical Center | Aledo | $1,099.20 | $2,660.57 – $2,970.16 |
| Northwestern Memorial Hospital | Chicago | $14,334.35 | not published |
| UnityPoint Health - Trinity Moline | Rock Island | $7,082.40 | $240.40 – $1,155.35 |
| Northwestern Medicine Central DuPage Hospital | IL 60190 | $14,853.30 | not published |
| Northwestern Medicine Valley West Hospital | Sandwich | $15,808.76 | $173.35 – $173.35 |
| Northwestern Medicine Delnor Hospital | Geneva | $18,199.15 | not published |
| Northwestern Medicine Palos Hospital | Palos Heights | $3,633.70 | not published |