Compatibility test incubate at Northwestern Medicine McHenry Hospital
4201 Medical Center Drive, McHenry, IL · Nm · · NPI 1427065499
$125.30
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.
$179.00
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.
$30.88 with AETNA HEALTH PLAN [171] vs $160.00 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 | $30.88 | ↓ -75% |
| MERCY CARE HEALTH PLANS [5013] | NWR MERCY CARE | $48.56 | ↓ -61% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS PPO | $54.24 | ↓ -57% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PPO | $54.24 | ↓ -57% |
| AETNA HEALTH PLAN [171] | NWR AETNA APCN/SP | $55.04 | ↓ -56% |
| AETNA HEALTH PLAN [171] | NWR AETNA IL PREFERRED | $56.80 | ↓ -55% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS HMO | $57.09 | ↓ -54% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS HMO | $57.09 | ↓ -54% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE OPTIONS | $76.48 | ↓ -39% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE PREFERRED | $76.48 | ↓ -39% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE SELECT | $76.48 | ↓ -39% |
| HEALTHLINK [125] | NWR SEIU HEALTHLINK | $80.00 | ↓ -36% |
| AETNA HEALTH PLAN [171] | NWR AETNA ASA | $84.00 | ↓ -33% |
| CHOICECARE [177] | NWR CHOICE CARE | $85.12 | ↓ -32% |
| MULTIPLAN/PHCS [142] | NWR PHCS PPO | $100.80 | ↓ -20% |
| THE ALLIANCE [1703] | NWR THE ALLIANCE | $102.77 | ↓ -18% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PLATINUM EPO | $112.00 | ↓ -11% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PPO | $116.80 | ↓ -7% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BEHAVORIAL BHS | $120.00 | ↓ -4% |
| BEECHSTREET [176] | NWR BEECHSTREET | $128.00 | ↑ +2% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PAR/INDEMNITY ADP | $160.00 | ↑ +28% |
| MULTIPLAN/PHCS [142] | NWR NON-CONTRACTED PAYORS | $160.00 | ↑ +28% |
| 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
Compatibility test incubate at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Advocate Christ Medical Center | Oak Lawn | $122.50 | $96.53 – $342.97 |
| Northwestern Memorial Hospital | Chicago | $125.30 | not published |
| Advocate Condell Medical Center | Libertyville | $122.50 | $68.74 – $342.97 |
| Advocate Good Samaritan Hospital | Downers Grove | $122.50 | $96.53 – $342.97 |
| UnityPoint Health - Trinity Moline | Rock Island | $156.24 | $17.87 – $285.81 |
| SSM Health Good Samaritan Hospital - Mt. Vernon | Mount Vernon | $149.60 | $182.57 – $191.70 |
| Advocate Illinois Masonic Medical Center | Chicago | $122.50 | $96.53 – $342.97 |
| Advocate Childrens Hospital - Park Ridge | Park Ridge | $122.50 | $96.53 – $342.97 |