Gen, neuro, clo loop, rechg at Northwestern Medicine McHenry Hospital
4201 Medical Center Drive, McHenry, IL · Nm · · NPI 1427065499
$85,740.89
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.
$122,486.99
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.
$23,639.99 with AETNA HEALTH PLAN [171] vs $122,486.99 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 | $23,639.99 | ↓ -72% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA ALTERNATIVE | $24,129.94 | ↓ -72% |
| AETNA HEALTH PLAN [171] | NWR AETNA | $35,766.20 | ↓ -58% |
| AETNA HEALTH PLAN [171] | NWR AETNA ASA | $35,766.20 | ↓ -58% |
| MERCY CARE HEALTH PLANS [5013] | NWR MERCY CARE | $37,174.80 | ↓ -57% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BROAD | $37,848.48 | ↓ -56% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PPO | $41,523.09 | ↓ -52% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS PPO | $41,523.09 | ↓ -52% |
| AETNA HEALTH PLAN [171] | NWR AETNA APCN/SP | $42,135.52 | ↓ -51% |
| AETNA HEALTH PLAN [171] | NWR AETNA IL PREFERRED | $43,482.88 | ↓ -49% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS HMO | $43,703.36 | ↓ -49% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS HMO | $43,703.36 | ↓ -49% |
| UNITED HEALTHCARE [158] | NWR UHC CORE | $58,058.83 | ↓ -32% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE SELECT | $58,548.78 | ↓ -32% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE PREFERRED | $58,548.78 | ↓ -32% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE OPTIONS | $58,548.78 | ↓ -32% |
| HEALTHLINK [125] | NWR SEIU HEALTHLINK | $61,243.50 | ↓ -29% |
| UNITED HEALTHCARE [158] | NWR UHC HMO/PPO | $64,550.64 | ↓ -25% |
| CHOICECARE [177] | NWR CHOICE CARE | $65,163.08 | ↓ -24% |
| MULTIPLAN/PHCS [142] | NWR PHCS PPO | $77,166.80 | ↓ -10% |
| THE ALLIANCE [1703] | NWR THE ALLIANCE | $78,673.39 | ↓ -8% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PLATINUM EPO | $85,740.89 | ↑ +0% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PPO | $89,415.50 | ↑ +4% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BEHAVORIAL BHS | $91,865.24 | ↑ +7% |
| BEECHSTREET [176] | NWR BEECHSTREET | $97,989.59 | ↑ +14% |
| MULTIPLAN/PHCS [142] | NWR NON-CONTRACTED PAYORS | $122,486.99 | ↑ +43% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PAR/INDEMNITY ADP | $122,486.99 | ↑ +43% |
| GLOBAL EXCEL [1712] | NWR MEDICARE | not published by hospital | — |
| ALTERNATE BLUE CROSS MEDICARE ADV [2304] | NWR BLUE CROSS MEDICARE ADVT | not published by hospital | — |
| ALTERNATE HUMANA MEDICARE ADV [2409] | NWR HUMANA MEDICARE ADVT | not published by hospital | — |
Visitor-reported prices
Comments
Gen, neuro, clo loop, rechg at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Northwestern Memorial Hospital | Chicago | $180,402.55 | not published |
| Advocate Illinois Masonic Medical Center | Chicago | $39,300.00 | $17,842.20 – $62,880.00 |
| Advocate Childrens Hospital - Park Ridge | Park Ridge | $39,300.00 | $27,431.40 – $62,880.00 |
| Advocate Sherman Hospital | Elgin | $26,900.00 | $16,947.00 – $48,420.00 |
| Northwestern Medicine Central DuPage Hospital | IL 60190 | $163,541.89 | not published |
| Northwestern Medicine Delnor Hospital | Geneva | $128,647.03 | not published |
| Northwestern Medicine Palos Hospital | Palos Heights | $52,711.88 | not published |
| Northwestern Lake Forest Hospital DBA Northwestern Medicine Catherine Gratz Griffin Lake Forest Hospital | Lake Forest | $180,402.55 | not published |