Ndl insj without njx 3+ musc at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
$24.00
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.
$30.00
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.
$10.02 with Medica Exchange Inspire vs $60.98 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 |
|---|---|---|---|
| Medica Exchange Inspire | Commercial | $10.02 | ↓ -58% |
| Medica Exchange Insure | Commercial | $11.25 | ↓ -53% |
| Cigna/Midlands | Commercial | $16.44 | ↓ -32% |
| Aetna | Medicare Advantage | $20.99 | ↓ -13% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $21.41 | ↓ -11% |
| Molina | Medicare Advantage | $21.41 | ↓ -11% |
| United Healthcare | Medicare Advantage | $22.04 | ↓ -8% |
| Amerivantage | Medicare Advantage | $22.04 | ↓ -8% |
| Humana | Medicare Advantage | $22.04 | ↓ -8% |
| Health Partners Open Network | Commercial | $38.84 | ↑ +62% |
| Wellmark UHP Self-Funded | Commercial | $43.60 | ↑ +82% |
| Wellmark Blue Cross and Blue Shield | HMO | $43.60 | ↑ +82% |
| Aetna | HMO | $47.80 | ↑ +99% |
| Aetna | PPO | $49.72 | ↑ +107% |
| Wellmark Blue Cross and Blue Shield | PPO | $51.30 | ↑ +114% |
| United Healthcare | HMO | $60.98 | ↑ +154% |
| United Healthcare | PPO | $60.98 | ↑ +154% |
| Amerigroup | Managed Medicaid | not published by hospital | — |
| Iowa Total Care | Managed Medicaid | not published by hospital | — |
Visitor-reported prices
Comments
Ndl insj without njx 3+ musc at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $33.00 | $23.44 – $32.82 |
| MercyOne New Hampton Medical Center | New Hampton | $63.05 | $38.40 – $97.00 |
| MercyOne Centerville Medical Center | Centerville | $97.00 | $9.06 – $33.00 |
| MercyOne Newton Medical Center | Newton | $63.05 | $27.38 – $97.00 |
| MercyOne Genesis Davenport Medical Center | Davenport | $36.60 | $23.44 – $32.82 |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $36.60 | $20.74 – $44.53 |
| MercyOne Waterloo Medical Center | Waterloo | $42.90 | $7.76 – $55.89 |
| UnityPoint Health - Allen Hospital | Waterloo | $24.00 | $20.99 – $55.12 |