Prq tcat plmt ntrac st 2+les at Northwestern Medicine McHenry Hospital
4201 Medical Center Drive, McHenry, IL · Nm · · NPI 1427065499
$41,253.80
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.
$58,934.00
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.
$11,374.26 with AETNA HEALTH PLAN [171] vs $58,934.00 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 | $11,374.26 | ↓ -72% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA ALTERNATIVE | $11,610.00 | ↓ -72% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE SELECT | $14,910.30 | ↓ -64% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE PREFERRED | $14,910.30 | ↓ -64% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS BLUECHOICE OPTIONS | $15,658.76 | ↓ -62% |
| MERCY CARE HEALTH PLANS [5013] | NWR MERCY CARE | $17,886.47 | ↓ -57% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BROAD | $18,210.61 | ↓ -56% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS PPO | $18,570.10 | ↓ -55% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PPO | $18,570.10 | ↓ -55% |
| ALTERNATE BLUE CROSS [1402] | NWR BCBS HMO | $19,218.38 | ↓ -53% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS HMO | $19,218.38 | ↓ -53% |
| AETNA HEALTH PLAN [171] | NWR AETNA APCN/SP | $20,273.30 | ↓ -51% |
| AETNA HEALTH PLAN [171] | NWR AETNA IL PREFERRED | $20,921.57 | ↓ -49% |
| UNITED HEALTHCARE [158] | NWR UHC CORE | $27,934.72 | ↓ -32% |
| AETNA HEALTH PLAN [171] | NWR AETNA | $28,700.86 | ↓ -30% |
| HEALTHLINK [125] | NWR SEIU HEALTHLINK | $29,467.00 | ↓ -29% |
| AETNA HEALTH PLAN [171] | NWR AETNA ASA | $30,940.35 | ↓ -25% |
| UNITED HEALTHCARE [158] | NWR UHC HMO/PPO | $31,058.22 | ↓ -25% |
| CHOICECARE [177] | NWR CHOICE CARE | $31,352.89 | ↓ -24% |
| MULTIPLAN/PHCS [142] | NWR PHCS PPO | $37,128.42 | ↓ -10% |
| THE ALLIANCE [1703] | NWR THE ALLIANCE | $37,853.31 | ↓ -8% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PLATINUM EPO | $41,253.80 | ↑ +0% |
| HEALTH'S FINEST NETWORK [126] | NWR HFN PPO | $43,021.82 | ↑ +4% |
| CIGNA HEALTH PLAN [178] | NWR CIGNA BEHAVORIAL BHS | $44,200.50 | ↑ +7% |
| BEECHSTREET [176] | NWR BEECHSTREET | $47,147.20 | ↑ +14% |
| MULTIPLAN/PHCS [142] | NWR NON-CONTRACTED PAYORS | $58,934.00 | ↑ +43% |
| BLUE CROSS BLUE SHIELD [1401] | NWR BCBS PAR/INDEMNITY ADP | $58,934.00 | ↑ +43% |
| 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
Prq tcat plmt ntrac st 2+les at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Northwestern Memorial Hospital | Chicago | $41,253.80 | not published |
| OSF Little Company of Mary Medical Center | Evergreen Park | $28,655.40 | $19,644.52 – $36,538.81 |
| OSF Saint Anthony's Health Center | Alton | $28,655.40 | $1,379.18 – $20,037.41 |
| OSF Saint Anthony Medical Center | Rockford | $33,712.20 | $19,644.52 – $68,755.83 |
| OSF St Joseph Medical Center | Bloomington | $28,655.40 | $19,644.52 – $21,651.00 |
| OSF Saint Francis Medical Center | Peoria | $33,712.20 | $19,644.52 – $66,783.92 |
| Northwestern Medicine Central DuPage Hospital | IL 60190 | $41,253.80 | not published |
| Northwestern Medicine Delnor Hospital | Geneva | $41,253.80 | not published |