healthcosts.net
ER Visit (level 1, minor) at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
$211.24
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.
$264.05
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.
$10.30 with Aetna vs $50.36 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 →
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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 | $10.30 | ↓ -95% |
| Molina | Medicare Advantage | $10.51 | ↓ -95% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $10.51 | ↓ -95% |
| Amerivantage | Medicare Advantage | $10.82 | ↓ -95% |
| Humana | Medicare Advantage | $10.82 | ↓ -95% |
| United Healthcare | Medicare Advantage | $10.82 | ↓ -95% |
| Medica Exchange Inspire | Commercial | $18.37 | ↓ -91% |
| Wellmark Blue Cross and Blue Shield | HMO | $18.70 | ↓ -91% |
| Wellmark Blue Cross and Blue Shield | PPO | $18.70 | ↓ -91% |
| Wellmark UHP Self-Funded | Commercial | $18.70 | ↓ -91% |
| Medica Exchange Insure | Commercial | $20.63 | ↓ -90% |
| Cigna/Midlands | Commercial | $21.90 | ↓ -90% |
| Health Partners Open Network | Commercial | $35.89 | ↓ -83% |
| Aetna | HMO | $41.55 | ↓ -80% |
| Aetna | PPO | $41.55 | ↓ -80% |
| United Healthcare | HMO | $50.36 | ↓ -76% |
| United Healthcare | PPO | $50.36 | ↓ -76% |
| Iowa Total Care | Managed Medicaid | not published by hospital | — |
| Amerigroup | Managed Medicaid | not published by hospital | — |
Visitor-reported prices
Comments
ER Visit (level 1, minor) at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $351.86 | $10.30 – $35.89 |
| UnityPoint Health - Allen Hospital | Waterloo | $156.92 | $10.30 – $35.89 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $202.80 | $43.55 – $84.28 |
| MercyOne Dubuque Medical Center | Dubuque | $253.50 | $5.86 – $636.00 |
| MercyOne New Hampton Medical Center | New Hampton | $341.25 | $10.28 – $54.00 |
| MercyOne Dyersville Medical Center | Dyersville | $341.25 | $20.41 – $60.78 |
| MercyOne Clinton Medical Center | Clinton | $273.00 | $5.86 – $1,453.00 |
| MercyOne Oelwein Medical Center | Oelwein | $341.25 | $11.82 – $54.00 |