Ins mark thor for right perq at Advocate Christ Medical Center
4440 West 95th Street, Oak Lawn, IL · Advocate Health · · NPI 1548375082
$1,370.00
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.
$2,740.00
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.
$1,079.56 with Advocate Employee vs $6,181.00 with United Healthcare — 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 |
|---|---|---|---|
| Advocate Employee | Commercial | $1,079.56 | ↓ -21% |
| Cigna One Health | Commercial | $1,424.80 | ↑ +4% |
| Aetna | Commercial | $1,478.23 | ↑ +8% |
| Blue Cross Blue Shield Blue Precision | Managed Care | $1,515.22 | ↑ +11% |
| Cigna | Commercial | $1,534.40 | ↑ +12% |
| Blue Cross Blue Shield | HMO | $1,542.62 | ↑ +13% |
| Blue Cross Blue Shield City of Chicago | Commercial | $1,742.64 | ↑ +27% |
| Private Healthcare Systems | Commercial | $1,835.80 | ↑ +34% |
| Blue Cross Blue Shield Choice | Commercial | $1,882.38 | ↑ +37% |
| Blue Cross Blue Shield | PPO | $1,983.76 | ↑ +45% |
| Ambetter | Medicare Advantage | $2,068.14 | ↑ +51% |
| Molina | Medicare Advantage | $2,068.14 | ↑ +51% |
| Oscar Health HMO | Medicare Advantage | $2,139.45 | ↑ +56% |
| Multiplan | Commercial | $2,192.00 | ↑ +60% |
| HSTechnology | Medicare Advantage | $2,738.50 | ↑ +100% |
| United Healthcare Charter | Commercial | $3,126.00 | ↑ +128% |
| United Healthcare Nexus | Commercial | $3,622.00 | ↑ +164% |
| United Healthcare Core Navigate | Commercial | $5,340.00 | ↑ +290% |
| United Healthcare | HMO | $6,181.00 | ↑ +351% |
Visitor-reported prices
Comments
Ins mark thor for right perq at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Trinity Moline | Rock Island | $1,304.00 | $157.95 – $1,064.45 |
| SSM Health Good Samaritan Hospital - Mt. Vernon | Mount Vernon | $2,333.65 | not published |
| Advocate Childrens Hospital - Park Ridge | Park Ridge | $1,415.00 | $1,115.02 – $6,181.00 |
| Advocate Sherman Hospital | Elgin | $1,895.00 | $1,406.09 – $4,256.00 |
| SSM Health St. Mary's Hospital - Centralia | Centralia | $2,333.65 | $1,483.26 – $1,557.42 |
| MercyOne Genesis Silvis Medical Center | Silvis | not published | $1,041.23 – $2,139.45 |
| MercyOne Genesis Aledo Medical Center | Aledo | not published | $461.00 – $2,819.90 |
| Uchicago Medicine Adventhealth Hinsdale | Hinsdale | not published | $926.00 – $2,402.88 |