Colonoscopy w/band ligation at Northwestern Medicine McHenry Hospital
4201 Medical Center Drive, McHenry, IL · Nm · · NPI 1427065499
$6,014.38
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.
$8,591.97
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.
$841.29 with AETNA HEALTH PLAN [171] vs $4,359.00 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] | NWR AETNA NM EMPLOYEES | $841.29 | ↓ -86% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA ALTERNATIVE | $858.72 | ↓ -86% |
| MERCY CARE HEALTH PLANS [5013] | NWR MERCY CARE | $1,322.96 | ↓ -78% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BROAD | $1,346.93 | ↓ -78% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PPO | $1,477.70 | ↓ -75% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS PPO | $1,477.70 | ↓ -75% |
| AETNA HEALTH PLAN [171] | NWR AETNA APCN/SP | $1,499.50 | ↓ -75% |
| AETNA HEALTH PLAN [171] | NWR AETNA IL PREFERRED | $1,547.45 | ↓ -74% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS HMO | $1,555.29 | ↓ -74% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS HMO | $1,555.29 | ↓ -74% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE PREFERRED | $2,083.60 | ↓ -65% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE SELECT | $2,083.60 | ↓ -65% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE OPTIONS | $2,083.60 | ↓ -65% |
| AETNA HEALTH PLAN [171] | NWR AETNA | $2,122.83 | ↓ -65% |
| UNITED HEALTHCARE [158] | NWR UHC CORE | $2,137.00 | ↓ -64% |
| HEALTHLINK [125] | NWR SEIU HEALTHLINK | $2,179.50 | ↓ -64% |
| AETNA HEALTH PLAN [171] | NWR AETNA ASA | $2,288.48 | ↓ -62% |
| CHOICECARE [177] | NWR CHOICE CARE | $2,318.99 | ↓ -61% |
| UNITED HEALTHCARE [158] | NWR UHC HMO/PPO | $2,374.00 | ↓ -61% |
| MULTIPLAN/PHCS [142] | NWR PHCS PPO | $2,397.45 | ↓ -60% |
| THE ALLIANCE [1703] | NWR THE ALLIANCE | $2,799.79 | ↓ -53% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PLATINUM EPO | $3,051.30 | ↓ -49% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PPO | $3,182.07 | ↓ -47% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BEHAVORIAL BHS | $3,269.25 | ↓ -46% |
| BEECHSTREET [176] | NWR BEECHSTREET | $3,487.20 | ↓ -42% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PAR/INDEMNITY ADP | $4,359.00 | ↓ -28% |
| MULTIPLAN/PHCS [142] | NWR NON-CONTRACTED PAYORS | $4,359.00 | ↓ -28% |
| ALTERNATE HUMANA MEDICARE ADV [2409] | NWR HUMANA MEDICARE ADVT | not published by hospital | — |
| GLOBAL EXCEL [1712] | NWR MEDICARE | not published by hospital | — |
| ALTERNATE BLUE CROSS MEDICARE ADV [2304] | NWR BLUE CROSS MEDICARE ADVT | not published by hospital | — |
Visitor-reported prices
Comments
Colonoscopy w/band ligation at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $1,401.60 | $982.39 – $2,149.12 |
| MercyOne Genesis Aledo Medical Center | Aledo | $1,401.60 | $2,660.57 – $2,970.16 |
| Northwestern Memorial Hospital | Chicago | $8,793.78 | not published |
| UnityPoint Health - Trinity Moline | Rock Island | $1,916.00 | $208.37 – $1,151.68 |
| Northwestern Medicine Central DuPage Hospital | IL 60190 | $8,793.78 | not published |
| Northwestern Medicine Valley West Hospital | Sandwich | $10,976.27 | $151.15 – $151.15 |
| Northwestern Medicine Delnor Hospital | Geneva | $11,947.67 | not published |
| Northwestern Medicine Palos Hospital | Palos Heights | $5,759.33 | not published |