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Abdominal MRI (with contrast) at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
$3,472.84
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.
$4,341.04
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.
$75.45 with Aetna vs $1,627.89 with Medica Exchange Insure — 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 | Medicare Advantage | $75.45 | ↓ -98% |
| Molina | Medicare Advantage | $76.96 | ↓ -98% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $76.96 | ↓ -98% |
| Amerivantage | Medicare Advantage | $79.22 | ↓ -98% |
| Humana | Medicare Advantage | $79.22 | ↓ -98% |
| United Healthcare | Medicare Advantage | $79.22 | ↓ -98% |
| United Healthcare | HMO | $110.38 | ↓ -97% |
| United Healthcare | PPO | $110.38 | ↓ -97% |
| Cigna/Midlands | Commercial | $159.45 | ↓ -95% |
| Health Partners Open Network | Commercial | $167.72 | ↓ -95% |
| Wellmark Blue Cross and Blue Shield | HMO | $180.90 | ↓ -95% |
| Wellmark UHP Self-Funded | Commercial | $180.90 | ↓ -95% |
| Aetna | HMO | $195.68 | ↓ -94% |
| Wellmark Blue Cross and Blue Shield | PPO | $212.80 | ↓ -94% |
| Aetna | PPO | $225.16 | ↓ -94% |
| Amerigroup | Managed Medicaid | $314.12 | ↓ -91% |
| Iowa Total Care | Managed Medicaid | $314.12 | ↓ -91% |
| Medica Exchange Inspire | Commercial | $1,449.91 | ↓ -58% |
| Medica Exchange Insure | Commercial | $1,627.89 | ↓ -53% |
Visitor-reported prices
Comments
Abdominal MRI (with contrast) at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $3,728.94 | $75.45 – $1,370.38 |
| UnityPoint Health - Allen Hospital | Waterloo | $1,483.81 | $75.45 – $977.46 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $971.40 | $341.85 – $478.59 |
| MercyOne Genesis Davenport Medical Center | Davenport | $1,061.40 | $341.85 – $478.59 |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $1,061.40 | $601.46 – $1,291.37 |
| MercyOne Waterloo Medical Center | Waterloo | $2,051.40 | $328.68 – $3,156.00 |
| UnityPoint Health - Finley Hospital | Dubuque | $1,066.40 | $75.45 – $314.00 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $3,468.07 | $75.45 – $1,747.04 |