Echo exam of fetal heart at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
$515.13
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.
$643.91
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.
$36.30 with Aetna vs $241.47 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 | $36.30 | ↓ -93% |
| Molina | Medicare Advantage | $37.03 | ↓ -93% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $37.03 | ↓ -93% |
| Humana | Medicare Advantage | $38.12 | ↓ -93% |
| Amerivantage | Medicare Advantage | $38.12 | ↓ -93% |
| United Healthcare | Medicare Advantage | $38.12 | ↓ -93% |
| United Healthcare | HMO | $52.39 | ↓ -90% |
| United Healthcare | PPO | $52.39 | ↓ -90% |
| Wellmark UHP Self-Funded | Commercial | $68.80 | ↓ -87% |
| Wellmark Blue Cross and Blue Shield | HMO | $68.80 | ↓ -87% |
| Health Partners Open Network | Commercial | $76.97 | ↓ -85% |
| Cigna/Midlands | Commercial | $77.15 | ↓ -85% |
| Wellmark Blue Cross and Blue Shield | PPO | $80.90 | ↓ -84% |
| Aetna | HMO | $89.78 | ↓ -83% |
| Aetna | PPO | $103.19 | ↓ -80% |
| Amerigroup | Managed Medicaid | $212.61 | ↓ -59% |
| Iowa Total Care | Managed Medicaid | $212.61 | ↓ -59% |
| Medica Exchange Inspire | Commercial | $215.07 | ↓ -58% |
| Medica Exchange Insure | Commercial | $241.47 | ↓ -53% |
Visitor-reported prices
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Echo exam of fetal heart at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Des Moines Medical Center | Des Moines | $859.95 | $225.21 – $1,323.00 |
| MercyOne Waterloo Medical Center | Waterloo | $568.75 | $25.13 – $621.25 |
| UnityPoint Health - Allen Hospital | Waterloo | $538.27 | $36.30 – $354.58 |
| UnityPoint Health - Finley Hospital | Dubuque | $469.57 | $36.30 – $469.57 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $296.00 | $36.30 – $240.50 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $715.88 | $36.30 – $263.08 |
| UnityPoint Health - Jones Regional Medical Center | Anamosa | $296.00 | $36.30 – $77.15 |
| UnityPoint Health - Marshalltown | Marshalltown | $538.27 | $36.30 – $322.96 |