MRI without fol w/cont, brst, un at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
$2,985.25
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.
$3,731.56
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.
$337.72 with Wellmark Blue Cross and Blue Shield vs $2,044.89 with Cigna/Midlands — 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 |
|---|---|---|---|
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $337.72 | ↓ -89% |
| Aetna | Medicare Advantage | $337.72 | ↓ -89% |
| Molina | Medicare Advantage | $337.72 | ↓ -89% |
| Humana | Medicare Advantage | $347.65 | ↓ -88% |
| United Healthcare | Medicare Advantage | $347.65 | ↓ -88% |
| Amerivantage | Medicare Advantage | $347.65 | ↓ -88% |
| Health Partners Open Network | Commercial | $566.32 | ↓ -81% |
| Aetna | HMO | $696.89 | ↓ -77% |
| Aetna | PPO | $724.92 | ↓ -76% |
| United Healthcare | HMO | $889.13 | ↓ -70% |
| United Healthcare | PPO | $889.13 | ↓ -70% |
| Medica Exchange Inspire | Commercial | $1,246.34 | ↓ -58% |
| Medica Exchange Insure | Commercial | $1,399.34 | ↓ -53% |
| Cigna/Midlands | Commercial | $2,044.89 | ↓ -32% |
| Iowa Total Care | Managed Medicaid | not published by hospital | — |
| Wellmark Blue Cross and Blue Shield | HMO | not published by hospital | — |
| Wellmark UHP Self-Funded | Commercial | not published by hospital | — |
| Amerigroup | Managed Medicaid | not published by hospital | — |
| Wellmark Blue Cross and Blue Shield | PPO | not published by hospital | — |
Visitor-reported prices
Comments
MRI without fol w/cont, brst, un at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne North Iowa Medical Center | Mason City | $1,086.15 | $266.26 – $1,671.00 |
| MercyOne Waterloo Medical Center | Waterloo | $2,764.45 | $287.91 – $3,019.63 |
| UnityPoint Health - Allen Hospital | Waterloo | $1,779.08 | $335.86 – $1,438.82 |
| UnityPoint Health - Finley Hospital | Dubuque | $1,581.32 | $348.73 – $1,581.32 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $508.00 | $339.99 – $349.99 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $508.00 | $339.99 – $461.63 |
| UnityPoint Health - Jones Regional Medical Center | Anamosa | $508.00 | not published |
| UnityPoint Health - Marshalltown | Marshalltown | $1,779.08 | $335.86 – $1,774.62 |