Hlth bhv ivntj indiv 1st 30 at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
$159.80
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.
?
What you pay up front if you don't use insurance.
$199.74
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.
?
The hospital's undiscounted list price — almost no one pays this.
$58.22 with Aetna vs $326.14 with Aetna — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 | $58.22 | ↓ -64% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $59.38 | ↓ -63% |
| Molina | Medicare Advantage | $59.38 | ↓ -63% |
| Humana | Medicare Advantage | $61.13 | ↓ -62% |
| United Healthcare | Medicare Advantage | $61.13 | ↓ -62% |
| Amerivantage | Medicare Advantage | $61.13 | ↓ -62% |
| Medica Exchange Inspire | Commercial | $66.71 | ↓ -58% |
| Medica Exchange Insure | Commercial | $74.90 | ↓ -53% |
| Wellmark UHP Self-Funded | Commercial | $90.50 | ↓ -43% |
| Wellmark Blue Cross and Blue Shield | HMO | $90.50 | ↓ -43% |
| Wellmark Blue Cross and Blue Shield | PPO | $90.50 | ↓ -43% |
| Health Partners Open Network | Commercial | $98.74 | ↓ -38% |
| Cigna/Midlands | Commercial | $109.46 | ↓ -32% |
| United Healthcare | PPO | $158.72 | ↓ -1% |
| United Healthcare | HMO | $158.72 | ↓ -1% |
| Aetna | HMO | $313.53 | ↑ +96% |
| Aetna | PPO | $326.14 | ↑ +104% |
| Amerigroup | Managed Medicaid | not published by hospital | — |
| Iowa Total Care | Managed Medicaid | not published by hospital | — |
Visitor-reported prices
Comments
Hlth bhv ivntj indiv 1st 30 at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Allen Hospital | Waterloo | $151.20 | $58.22 – $146.51 |
| UnityPoint Health - Finley Hospital | Dubuque | $151.20 | $58.22 – $173.88 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $151.20 | $58.22 – $146.51 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $151.20 | $58.22 – $146.51 |
| UnityPoint Health - Jones Regional Medical Center | Anamosa | $151.20 | $58.22 – $146.51 |
| UnityPoint Health - Marshalltown | Marshalltown | $151.20 | $58.22 – $146.51 |
| UnityPoint Health - St. Lukes Downtown | Sioux City | $151.20 | $49.14 – $146.51 |
| UnityPoint Health - Trinity Bettendorf | Bettendorf | $151.20 | $58.22 – $146.51 |