#_fet/norfentcnfrmur at Northwestern Medicine McHenry Hospital
4201 Medical Center Drive, McHenry, IL · Nm · · NPI 1427065499
$40.60
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.
$58.00
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.
$10.23 with AETNA HEALTH PLAN [171] vs $53.00 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 | $10.23 | ↓ -75% |
| MERCY CARE HEALTH PLANS [5013] | NWR MERCY CARE | $16.09 | ↓ -60% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS PPO | $17.97 | ↓ -56% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PPO | $17.97 | ↓ -56% |
| AETNA HEALTH PLAN [171] | NWR AETNA APCN/SP | $18.23 | ↓ -55% |
| AETNA HEALTH PLAN [171] | NWR AETNA IL PREFERRED | $18.82 | ↓ -54% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS HMO | $18.91 | ↓ -53% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS HMO | $18.91 | ↓ -53% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE OPTIONS | $25.33 | ↓ -38% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE PREFERRED | $25.33 | ↓ -38% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE SELECT | $25.33 | ↓ -38% |
| HEALTHLINK [125] | NWR SEIU HEALTHLINK | $26.50 | ↓ -35% |
| AETNA HEALTH PLAN [171] | NWR AETNA ASA | $27.83 | ↓ -31% |
| CHOICECARE [177] | NWR CHOICE CARE | $28.20 | ↓ -31% |
| MULTIPLAN/PHCS [142] | NWR PHCS PPO | $33.39 | ↓ -18% |
| THE ALLIANCE [1703] | NWR THE ALLIANCE | $34.04 | ↓ -16% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PPO | $38.69 | ↓ -5% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BEHAVORIAL BHS | $39.75 | ↓ -2% |
| BEECHSTREET [176] | NWR BEECHSTREET | $42.40 | ↑ +4% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PAR/INDEMNITY ADP | $53.00 | ↑ +31% |
| MULTIPLAN/PHCS [142] | NWR NON-CONTRACTED PAYORS | $53.00 | ↑ +31% |
| ALTERNATE BLUE CROSS MEDICARE ADV [2304] | NWR BLUE CROSS MEDICARE ADVT | not published by hospital | — |
| GLOBAL EXCEL [1712] | NWR MEDICARE | not published by hospital | — |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PLATINUM EPO | not published by hospital | — |
| ALTERNATE HUMANA MEDICARE ADV [2409] | NWR HUMANA MEDICARE ADVT | not published by hospital | — |
Visitor-reported prices
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#_fet/norfentcnfrmur at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $306.00 | $11.24 – $469.20 |
| MercyOne Genesis Aledo Medical Center | Aledo | $306.00 | $30.44 – $239.70 |
| Uchicago Medicine Adventhealth Hinsdale | Hinsdale | $30.00 | $29.32 – $161.55 |
| Advocate Christ Medical Center | Oak Lawn | $307.50 | $214.64 – $492.00 |
| Northwestern Memorial Hospital | Chicago | $40.60 | not published |
| Advocate Condell Medical Center | Libertyville | $307.50 | $242.31 – $492.00 |
| Advocate Good Samaritan Hospital | Downers Grove | $307.50 | $214.64 – $492.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $72.14 | $13.16 – $44.99 |