Insj phrnc nrv stim sys at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
$1,439.20
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.
$1,799.00
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.
$502.09 with Aetna vs $71,359.66 with Health Partners Open Network — 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 | $502.09 | ↓ -65% |
| Molina | Medicare Advantage | $512.13 | ↓ -64% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $512.13 | ↓ -64% |
| United Healthcare | Medicare Advantage | $527.19 | ↓ -63% |
| Humana | Medicare Advantage | $527.19 | ↓ -63% |
| Amerivantage | Medicare Advantage | $527.19 | ↓ -63% |
| Wellmark UHP Self-Funded | Commercial | $1,145.00 | ↓ -20% |
| Wellmark Blue Cross and Blue Shield | HMO | $1,145.00 | ↓ -20% |
| Cigna/Midlands | Commercial | $1,337.00 | ↓ -7% |
| Wellmark Blue Cross and Blue Shield | PPO | $1,347.10 | ↓ -6% |
| United Healthcare | HMO | $1,798.03 | ↑ +25% |
| United Healthcare | PPO | $1,798.03 | ↑ +25% |
| Health Partners Open Network | Commercial | $71,359.66 | ↑ +4858% |
| Medica Exchange Inspire | Commercial | not published by hospital | — |
| Aetna | PPO | not published by hospital | — |
| Amerigroup | Managed Medicaid | not published by hospital | — |
| Iowa Total Care | Managed Medicaid | not published by hospital | — |
| Aetna | HMO | not published by hospital | — |
| Medica Exchange Insure | Commercial | not published by hospital | — |
Visitor-reported prices
Comments
Insj phrnc nrv stim sys at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Des Moines Medical Center | Des Moines | $48,912.50 | $161.14 – $85,512.38 |
| CHI Health Mercy Council Bluffs | Council Bluffs | $36,960.42 | $13,200.15 – $74,800.85 |
| MercyOne Genesis Davenport West Medical Center | Davenport | not published | $43,075.38 – $60,305.53 |
| MercyOne Genesis Davenport Medical Center | Davenport | not published | $43,075.38 – $60,305.53 |