Perq clsr tcat l atr apndge at Northwestern Medicine McHenry Hospital
4201 Medical Center Drive, McHenry, IL · Nm · · NPI 1427065499
$88,543.17
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.
$126,490.24
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.
$2,763.37 with AETNA HEALTH PLAN [171] vs $14,318.00 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 | $2,763.37 | ↓ -97% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA ALTERNATIVE | $2,820.65 | ↓ -97% |
| UNITED HEALTHCARE [158] | NWR UHC CORE | $4,001.00 | ↓ -95% |
| MERCY CARE HEALTH PLANS [5013] | NWR MERCY CARE | $4,345.51 | ↓ -95% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BROAD | $4,424.26 | ↓ -95% |
| UNITED HEALTHCARE [158] | NWR UHC HMO/PPO | $4,445.00 | ↓ -95% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PPO | $4,853.80 | ↓ -95% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS PPO | $4,853.80 | ↓ -95% |
| AETNA HEALTH PLAN [171] | NWR AETNA APCN/SP | $4,925.39 | ↓ -94% |
| AETNA HEALTH PLAN [171] | NWR AETNA IL PREFERRED | $5,082.89 | ↓ -94% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS HMO | $5,108.66 | ↓ -94% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS HMO | $5,108.66 | ↓ -94% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE PREFERRED | $6,844.00 | ↓ -92% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE SELECT | $6,844.00 | ↓ -92% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE OPTIONS | $6,844.00 | ↓ -92% |
| AETNA HEALTH PLAN [171] | NWR AETNA | $6,972.87 | ↓ -92% |
| HEALTHLINK [125] | NWR SEIU HEALTHLINK | $7,159.00 | ↓ -92% |
| AETNA HEALTH PLAN [171] | NWR AETNA ASA | $7,516.95 | ↓ -92% |
| CHOICECARE [177] | NWR CHOICE CARE | $7,617.18 | ↓ -91% |
| MULTIPLAN/PHCS [142] | NWR PHCS PPO | $7,874.90 | ↓ -91% |
| THE ALLIANCE [1703] | NWR THE ALLIANCE | $9,196.45 | ↓ -90% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PLATINUM EPO | $10,022.60 | ↓ -89% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PPO | $10,452.14 | ↓ -88% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BEHAVORIAL BHS | $10,738.50 | ↓ -88% |
| BEECHSTREET [176] | NWR BEECHSTREET | $11,454.40 | ↓ -87% |
| MULTIPLAN/PHCS [142] | NWR NON-CONTRACTED PAYORS | $14,318.00 | ↓ -84% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PAR/INDEMNITY ADP | $14,318.00 | ↓ -84% |
| GLOBAL EXCEL [1712] | NWR MEDICARE | not published by hospital | — |
| ALTERNATE HUMANA MEDICARE ADV [2409] | NWR HUMANA MEDICARE ADVT | not published by hospital | — |
| ALTERNATE BLUE CROSS MEDICARE ADV [2304] | NWR BLUE CROSS MEDICARE ADVT | not published by hospital | — |
Visitor-reported prices
Comments
Perq clsr tcat l atr apndge at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Uchicago Medicine Adventhealth Hinsdale | Hinsdale | $5,500.00 | $2,648.00 – $2,648.00 |
| Advocate Christ Medical Center | Oak Lawn | $7,200.00 | $3,181.00 – $11,520.00 |
| Northwestern Memorial Hospital | Chicago | $10,022.60 | not published |
| Advocate Condell Medical Center | Libertyville | $10,810.00 | $3,277.00 – $17,296.00 |
| Advocate Good Samaritan Hospital | Downers Grove | $10,785.00 | $3,181.00 – $17,256.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $21,198.77 | $668.49 – $11,685.82 |
| Uchicago Medicine Adventhealth La Grange | La Grange | $5,500.00 | $2,648.00 – $2,648.00 |
| Advocate Illinois Masonic Medical Center | Chicago | $8,140.00 | $3,181.00 – $13,024.00 |