healthcosts.net
Chest CT scan (without contrast) at Advocate Christ Medical Center
4440 West 95th Street, Oak Lawn, IL · Advocate Health · · NPI 1548375082
$780.00
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.
$1,560.00
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.
$160.73 with Ambetter vs $1,248.00 with Multiplan — 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 |
|---|---|---|---|
| Ambetter | Medicare Advantage | $160.73 | ↓ -79% |
| Molina | Medicare Advantage | $160.73 | ↓ -79% |
| Oscar Health HMO | Medicare Advantage | $166.28 | ↓ -79% |
| HSTechnology | Medicare Advantage | $212.83 | ↓ -73% |
| Advocate Employee | Commercial | $614.64 | ↓ -21% |
| Cigna | Commercial | $653.00 | ↓ -16% |
| Cigna One Health | Commercial | $653.00 | ↓ -16% |
| United Healthcare | HMO | $718.00 | ↓ -8% |
| United Healthcare Charter | Commercial | $718.00 | ↓ -8% |
| United Healthcare Core Navigate | Commercial | $718.00 | ↓ -8% |
| United Healthcare Nexus | Commercial | $718.00 | ↓ -8% |
| Blue Cross Blue Shield City of Chicago | Commercial | $912.38 | ↑ +17% |
| Aetna | Commercial | $941.00 | ↑ +21% |
| Blue Cross Blue Shield Choice | Commercial | $986.11 | ↑ +26% |
| Blue Cross Blue Shield | PPO | $1,038.34 | ↑ +33% |
| Private Healthcare Systems | Commercial | $1,045.20 | ↑ +34% |
| Blue Cross Blue Shield Blue Precision | Managed Care | $1,101.36 | ↑ +41% |
| Blue Cross Blue Shield | HMO | $1,123.20 | ↑ +44% |
| Multiplan | Commercial | $1,248.00 | ↑ +60% |
Visitor-reported prices
Comments
Chest CT scan (without contrast) at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $1,145.40 | $1.00 – $1,756.28 |
| MercyOne Genesis Aledo Medical Center | Aledo | $1,145.40 | $120.46 – $897.23 |
| Advocate Condell Medical Center | Libertyville | $1,140.00 | $160.73 – $1,824.00 |
| Advocate Good Samaritan Hospital | Downers Grove | $785.00 | $160.73 – $1,256.00 |
| UnityPoint Health - Trinity Moline | Rock Island | $1,954.45 | $47.19 – $1,077.39 |
| Advocate Illinois Masonic Medical Center | Chicago | $855.00 | $160.73 – $1,368.00 |
| Advocate Sherman Hospital | Elgin | $1,510.00 | $160.73 – $2,718.00 |
| Advocate Childrens Hospital - Park Ridge | Park Ridge | $1,250.00 | $160.73 – $2,000.00 |