Ins/rplc spi npg/rcvr pocket at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
$883.20
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.
$1,104.00
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.
$302.71 with Aetna vs $26,803.52 with Iowa Total Care — 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 | $302.71 | ↓ -66% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $308.76 | ↓ -65% |
| Molina | Medicare Advantage | $308.76 | ↓ -65% |
| United Healthcare | Medicare Advantage | $317.85 | ↓ -64% |
| Amerivantage | Medicare Advantage | $317.85 | ↓ -64% |
| Humana | Medicare Advantage | $317.85 | ↓ -64% |
| Wellmark UHP Self-Funded | Commercial | $659.70 | ↓ -25% |
| Wellmark Blue Cross and Blue Shield | HMO | $659.70 | ↓ -25% |
| Health Partners Open Network | Commercial | $747.86 | ↓ -15% |
| Wellmark Blue Cross and Blue Shield | PPO | $776.10 | ↓ -12% |
| Cigna/Midlands | Commercial | $809.68 | ↓ -8% |
| Aetna | HMO | $821.60 | ↓ -7% |
| Aetna | PPO | $999.85 | ↑ +13% |
| United Healthcare | PPO | $1,103.25 | ↑ +25% |
| United Healthcare | HMO | $1,103.25 | ↑ +25% |
| Amerigroup | Managed Medicaid | $26,803.52 | ↑ +2935% |
| Iowa Total Care | Managed Medicaid | $26,803.52 | ↑ +2935% |
| Medica Exchange Inspire | Commercial | not published by hospital | — |
| Medica Exchange Insure | Commercial | not published by hospital | — |
Visitor-reported prices
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Ins/rplc spi npg/rcvr pocket at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Dubuque Medical Center | Dubuque | $63,153.07 | $0.96 – $61,656.46 |
| MercyOne Des Moines Medical Center | Des Moines | $72,943.01 | $9.09 – $59,907.52 |
| MercyOne Newton Medical Center | Newton | $56,786.95 | $0.32 – $66,147.00 |
| CHI Health Mercy Corning | Corning | $14,289.12 | $12,800.67 – $29,173.62 |
| CHI Health Missouri Valley | Missouri Valley | $14,586.81 | $10,419.15 – $29,173.62 |
| CHI Health Mercy Council Bluffs | Council Bluffs | $16,197.30 | $631.05 – $32,780.25 |