Opn mpltj hpglsl nstm ary pg at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
$4,360.00
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.
$5,450.00
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.
$754.41 with Aetna vs $61,856.91 with Aetna — 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 | $754.41 | ↓ -83% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $769.50 | ↓ -82% |
| Molina | Medicare Advantage | $769.50 | ↓ -82% |
| Humana | Medicare Advantage | $792.13 | ↓ -82% |
| United Healthcare | Medicare Advantage | $792.13 | ↓ -82% |
| Amerivantage | Medicare Advantage | $792.13 | ↓ -82% |
| Wellmark Blue Cross and Blue Shield | HMO | $1,618.50 | ↓ -63% |
| Wellmark UHP Self-Funded | Commercial | $1,618.50 | ↓ -63% |
| Health Partners Open Network | Commercial | $1,678.83 | ↓ -61% |
| Wellmark Blue Cross and Blue Shield | PPO | $1,904.10 | ↓ -56% |
| Cigna/Midlands | Commercial | $2,015.86 | ↓ -54% |
| United Healthcare | HMO | $2,724.43 | ↓ -38% |
| United Healthcare | PPO | $2,724.43 | ↓ -38% |
| Iowa Total Care | Managed Medicaid | $26,803.52 | ↑ +515% |
| Amerigroup | Managed Medicaid | $26,803.52 | ↑ +515% |
| Aetna | HMO | $59,464.66 | ↑ +1264% |
| Aetna | PPO | $61,856.91 | ↑ +1319% |
| Medica Exchange Insure | Commercial | not published by hospital | — |
| Medica Exchange Inspire | Commercial | not published by hospital | — |
Visitor-reported prices
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Opn mpltj hpglsl nstm ary pg at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Dubuque Medical Center | Dubuque | $53,125.12 | $0.96 – $88,008.83 |
| MercyOne North Iowa Medical Center | Mason City | $94,723.74 | $9.09 – $66,852.54 |
| UnityPoint Health - Allen Hospital | Waterloo | $4,360.00 | $754.41 – $25,258.81 |
| UnityPoint Health - Finley Hospital | Dubuque | $4,360.00 | $754.41 – $26,793.27 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $4,360.00 | $754.41 – $30,320.14 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $4,360.00 | $754.41 – $29,359.82 |
| UnityPoint Health - Jones Regional Medical Center | Anamosa | $4,360.00 | $754.41 – $2,015.86 |
| UnityPoint Health - Marshalltown | Marshalltown | $4,360.00 | $754.41 – $29,653.73 |