Psy/npsy phys/qhp 2> tst 1st 30 min at Advocate Christ Medical Center
4440 West 95th Street, Oak Lawn, IL · Advocate Health · · NPI 1548375082
$160.00
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.
?
What you pay up front if you don't use insurance.
$320.00
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.
?
The hospital's undiscounted list price — almost no one pays this.
$126.08 with Advocate Employee vs $1,556.00 with United Healthcare — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 | $126.08 | ↓ -21% |
| Cigna One Health | Commercial | $166.40 | ↑ +4% |
| Aetna | Commercial | $172.64 | ↑ +8% |
| Ambetter | Medicare Advantage | $194.83 | ↑ +22% |
| Molina | Medicare Advantage | $194.83 | ↑ +22% |
| Oscar Health HMO | Medicare Advantage | $201.55 | ↑ +26% |
| Cigna | Commercial | $211.20 | ↑ +32% |
| Private Healthcare Systems | Commercial | $214.40 | ↑ +34% |
| Blue Cross Blue Shield Blue Precision | Managed Care | $225.92 | ↑ +41% |
| Blue Cross Blue Shield | HMO | $230.40 | ↑ +44% |
| Blue Cross Blue Shield City of Chicago | Commercial | $232.03 | ↑ +45% |
| Blue Cross Blue Shield Choice | Commercial | $250.78 | ↑ +57% |
| Multiplan | Commercial | $256.00 | ↑ +60% |
| HSTechnology | Medicare Advantage | $257.99 | ↑ +61% |
| Blue Cross Blue Shield | PPO | $264.06 | ↑ +65% |
| United Healthcare Charter | Commercial | $628.00 | ↑ +293% |
| United Healthcare Nexus | Commercial | $728.00 | ↑ +355% |
| United Healthcare Core Navigate | Commercial | $1,074.00 | ↑ +571% |
| United Healthcare | HMO | $1,556.00 | ↑ +873% |
Visitor-reported prices
Comments
Psy/npsy phys/qhp 2> tst 1st 30 min at other Illinois hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Silvis Medical Center | Silvis | $53.40 | $81.88 – $604.29 |
| MercyOne Genesis Aledo Medical Center | Aledo | $53.40 | $1,636.56 – $2,970.16 |
| UnityPoint Health - Trinity Moline | Rock Island | $103.20 | $21.78 – $100.28 |
| Advocate Illinois Masonic Medical Center | Chicago | $510.00 | $194.83 – $1,556.00 |
| Advocate Childrens Hospital - Park Ridge | Park Ridge | $167.50 | $131.99 – $1,556.00 |
| Uchicago Medicine Adventhealth Hinsdale | Hinsdale | not published | $139.58 – $230.97 |
| Advocate Condell Medical Center | Libertyville | not published | $146.38 – $257.99 |
| Advocate Good Samaritan Hospital | Downers Grove | not published | $194.83 – $270.31 |