Ins/rpl prph sac/gstr npg/r at Northwestern Medicine McHenry Hospital
4201 Medical Center Drive, McHenry, IL · Nm · · NPI 1427065499
$66,436.64
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.
$94,909.49
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.
$2,529.84 with AETNA HEALTH PLAN [171] vs $17,999.00 with UNITED HEALTHCARE [158] — 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 | $2,529.84 | ↓ -96% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA ALTERNATIVE | $2,582.28 | ↓ -96% |
| MERCY CARE HEALTH PLANS [5013] | NWR MERCY CARE | $3,978.28 | ↓ -94% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BROAD | $4,050.37 | ↓ -94% |
| AETNA HEALTH PLAN [171] | NWR AETNA APCN/SP | $4,509.15 | ↓ -93% |
| AETNA HEALTH PLAN [171] | NWR AETNA IL PREFERRED | $4,653.34 | ↓ -93% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS HMO | $4,676.93 | ↓ -93% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS HMO | $4,676.93 | ↓ -93% |
| AETNA HEALTH PLAN [171] | NWR AETNA | $6,383.60 | ↓ -90% |
| HEALTHLINK [125] | NWR SEIU HEALTHLINK | $6,554.00 | ↓ -90% |
| AETNA HEALTH PLAN [171] | NWR AETNA ASA | $6,881.70 | ↓ -90% |
| CHOICECARE [177] | NWR CHOICE CARE | $6,973.46 | ↓ -90% |
| THE ALLIANCE [1703] | NWR THE ALLIANCE | $8,419.27 | ↓ -87% |
| MULTIPLAN/PHCS [142] | NWR PHCS PPO | $9,102.00 | ↓ -86% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PLATINUM EPO | $9,175.60 | ↓ -86% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PPO | $9,568.84 | ↓ -86% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BEHAVORIAL BHS | $9,831.00 | ↓ -85% |
| BEECHSTREET [176] | NWR BEECHSTREET | $10,486.40 | ↓ -84% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PAR/INDEMNITY ADP | $13,108.00 | ↓ -80% |
| MULTIPLAN/PHCS [142] | NWR NON-CONTRACTED PAYORS | $13,108.00 | ↓ -80% |
| UNITED HEALTHCARE [158] | NWR UHC CORE | $16,199.00 | ↓ -76% |
| UNITED HEALTHCARE [158] | NWR UHC HMO/PPO | $17,999.00 | ↓ -73% |
| GLOBAL EXCEL [1712] | NWR MEDICARE | not published by hospital | — |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE PREFERRED | not published by hospital | — |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE SELECT | not published by hospital | — |
| ALTERNATE HUMANA MEDICARE ADV [2409] | NWR HUMANA MEDICARE ADVT | not published by hospital | — |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PPO | not published by hospital | — |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS PPO | not published by hospital | — |
| ALTERNATE BLUE CROSS MEDICARE ADV [2304] | NWR BLUE CROSS MEDICARE ADVT | not published by hospital | — |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE OPTIONS | not published by hospital | — |
Visitor-reported prices
Comments
Ins/rpl prph sac/gstr npg/r at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Northwestern Memorial Hospital | Chicago | $66,205.44 | not published |
| SSM Health Good Samaritan Hospital - Mt. Vernon | Mount Vernon | $4,341.70 | not published |
| SSM Health St. Mary's Hospital - Centralia | Centralia | $4,341.70 | not published |
| Northwestern Medicine Central DuPage Hospital | IL 60190 | $109,523.29 | not published |
| Northwestern Medicine Delnor Hospital | Geneva | $86,186.39 | not published |
| Northwestern Medicine Palos Hospital | Palos Heights | $44,669.23 | not published |
| Northwestern Medicine Marianjoy Rehabilitation Hospital | Wheaton | $9,175.60 | not published |
| Northwestern Lake Forest Hospital DBA Northwestern Medicine Catherine Gratz Griffin Lake Forest Hospital | Lake Forest | $96,082.83 | not published |