Lev 5 hosp type b ed visit at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
not published by hospital
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.
not published by hospital
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.
$355.25 with Amerigroup vs $1,005.55 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 |
|---|---|---|---|
| Amerigroup | Managed Medicaid | $355.25 | — |
| Iowa Total Care | Managed Medicaid | $355.25 | — |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $381.94 | — |
| Aetna | Medicare Advantage | $381.94 | — |
| Molina | Medicare Advantage | $381.94 | — |
| United Healthcare | Medicare Advantage | $393.17 | — |
| Amerivantage | Medicare Advantage | $393.17 | — |
| Humana | Medicare Advantage | $393.17 | — |
| Health Partners Open Network | Commercial | $640.47 | — |
| Aetna | HMO | $788.13 | — |
| Aetna | PPO | $819.84 | — |
| United Healthcare | HMO | $1,005.55 | — |
| United Healthcare | PPO | $1,005.55 | — |
Visitor-reported prices
Comments
Lev 5 hosp type b ed visit at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | not published | $386.61 – $541.26 |
| MercyOne Genesis Davenport Medical Center | Davenport | not published | $386.61 – $541.26 |
| UnityPoint Health - Allen Hospital | Waterloo | not published | $334.78 – $577.83 |
| UnityPoint Health - Finley Hospital | Dubuque | not published | $355.11 – $737.54 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | not published | $384.51 – $401.86 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | not published | $384.51 – $522.07 |
| UnityPoint Health - Marshalltown | Marshalltown | not published | $379.83 – $709.82 |
| UnityPoint Health - St. Lukes Downtown | Sioux City | not published | $357.69 – $603.01 |