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Chest CT scan (with and without contrast) at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
$2,050.84
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.
$2,563.55
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.
$54.61 with Aetna vs $961.33 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 | $54.61 | ↓ -97% |
| Molina | Medicare Advantage | $55.70 | ↓ -97% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $55.70 | ↓ -97% |
| Amerivantage | Medicare Advantage | $57.34 | ↓ -97% |
| Humana | Medicare Advantage | $57.34 | ↓ -97% |
| United Healthcare | Medicare Advantage | $57.34 | ↓ -97% |
| United Healthcare | HMO | $87.80 | ↓ -96% |
| United Healthcare | PPO | $87.80 | ↓ -96% |
| Wellmark Blue Cross and Blue Shield | HMO | $112.90 | ↓ -94% |
| Wellmark UHP Self-Funded | Commercial | $112.90 | ↓ -94% |
| Cigna/Midlands | Commercial | $115.46 | ↓ -94% |
| Wellmark Blue Cross and Blue Shield | PPO | $132.90 | ↓ -94% |
| Health Partners Open Network | Commercial | $133.67 | ↓ -93% |
| Aetna | HMO | $155.44 | ↓ -92% |
| Amerigroup | Managed Medicaid | $156.58 | ↓ -92% |
| Iowa Total Care | Managed Medicaid | $156.58 | ↓ -92% |
| Aetna | PPO | $178.26 | ↓ -91% |
| Medica Exchange Inspire | Commercial | $856.23 | ↓ -58% |
| Medica Exchange Insure | Commercial | $961.33 | ↓ -53% |
Visitor-reported prices
Comments
Chest CT scan (with and without contrast) at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $3,158.05 | $54.61 – $1,160.58 |
| UnityPoint Health - Allen Hospital | Waterloo | $1,367.94 | $54.61 – $901.13 |
| MercyOne Clinton Medical Center | Clinton | $2,531.10 | $161.52 – $3,894.00 |
| MercyOne Des Moines Medical Center | Des Moines | $2,259.40 | $165.56 – $3,476.00 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $1,426.80 | $170.40 – $238.57 |
| MercyOne New Hampton Medical Center | New Hampton | $2,252.90 | $1,372.19 – $3,466.00 |
| MercyOne Cedar Falls Medical Center | Cedar Falls | $3,527.55 | $165.25 – $5,427.00 |
| MercyOne West Des Moines Medical Center | West Des Moines | $5,747.00 | $165.56 – $5,747.00 |