Allograft umbil cord+amniotic membrane-q4148-cost per sq cm at MercyOne Cedar Falls Medical Center

515 College St, Cedar Falls, IA · MercyOne · · NPI 1942241955

Source: hospital's published price file ↗ · Published Mar 31, 2026 · Ingested Aug 3, 2026

$232.74

Cash price

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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.

Full explanation →

What you pay up front if you don't use insurance.

$358.06

Gross charge

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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.

Full explanation →

The hospital's undiscounted list price — almost no one pays this.

$59.89 with IOWA TOTAL CARE vs $345.41 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 →

Payer
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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
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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
IOWA TOTAL CARE IOWA TOTAL CARE MEDICAID $59.89 ↓ -74%
MOLINA MEDICAID MOLINA MEDICAID $60.48 ↓ -74%
WELLPOINT MEDICAID WELLPOINT MEDICAID $60.72 ↓ -74%
AETNA MEDICARE ADVANTAGE AETNA MEDICARE ADVANTAGE $69.08 ↓ -70%
HEALTH CHOICES MEDICAL ASSOCIATES $81.17 ↓ -65%
MEDICAL ASSOCIATES MEDICAL ASSOCIATES $81.17 ↓ -65%
OSCAR OSCAR $107.08 ↓ -54%
HEALTH PARTNERS HEALTH PARTNERS $112.95 ↓ -51%
CENTIVO CENTIVO $118.13 ↓ -49%
GEHA UNITED HEALTHCARE $172.71 ↓ -26%
UNITED HEALTHCARE UNITED HEALTHCARE $172.71 ↓ -26%
CLAIMDOC CLAIMDOC $207.25 ↓ -11%
NOVA CLAIMDOC $207.25 ↓ -11%
AUXIANT MIDLANDS CHOICE PPO $245.24 ↑ +5%
MIDLANDS CHOICE MIDLANDS CHOICE PPO $245.24 ↑ +5%
MIDLANDS MIDLANDS CHOICE PPO $245.24 ↑ +5%
MEDICA MIDLANDS CHOICE PPO $245.24 ↑ +5%
CIGNA MIDLANDS CHOICE PPO $245.24 ↑ +5%
CIGNA EAP MIDLANDS CHOICE PPO $245.24 ↑ +5%
UNITED HEALTHCARE UNITED HEALTHCARE DEERE PREMIER $314.32 ↑ +35%
AETNA AETNA $317.43 ↑ +36%
ALLIED BENEFIT SYSTEMS AETNA $317.43 ↑ +36%
ASR HEALTH BENEFITS AETNA $317.43 ↑ +36%
COVENTRY AETNA $317.43 ↑ +36%
FIRST HEALTH AETNA $317.43 ↑ +36%
AETNA EAP AETNA $317.43 ↑ +36%
LUCENT HEALTH AETNA $317.43 ↑ +36%
LUMINARE HEALTH AETNA $317.43 ↑ +36%
MEDICAL MUTUAL AETNA $317.43 ↑ +36%
MERITAIN AETNA $317.43 ↑ +36%
AETNA DOMESTIC AETNA $317.43 ↑ +36%
WEBTPA AETNA $317.43 ↑ +36%
IOWA DEPT OF PUBLIC HEALTH CARE FOR YOURSELF $345.41 ↑ +48%
UNITED HEALTHCARE UHC OPTUM BEHAVIORAL HEALTH $345.41 ↑ +48%

Visitor-reported prices

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Allograft umbil cord+amniotic membrane-q4148-cost per sq cm at other Iowa hospitals

Hospital City Cash price Negotiated range
MercyOne Dubuque Medical Center Dubuque $232.74 $66.94 – $345.41
MercyOne New Hampton Medical Center New Hampton $279.64 $147.23 – $371.88
MercyOne Dyersville Medical Center Dyersville $232.74 $130.56 – $388.79
MercyOne Clinton Medical Center Clinton $232.74 $66.94 – $345.41
MercyOne Oelwein Medical Center Oelwein $3,283.80 $132.02 – $345.41
MercyOne Elkader Medical Center Elkader $232.74 $177.78 – $361.02
MercyOne West Des Moines Medical Center West Des Moines $358.06 $56.37 – $345.41
MercyOne Des Moines Medical Center Des Moines $232.74 $56.37 – $345.41

All Iowa hospitals for this procedure →