Pr amput fgr/thumb prim/sec any joint/phal sgl incl neurectomies w dir clsr at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
$5,030.80
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.
$6,288.50
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.
$631.58 with Aetna vs $2,853.85 with Iowa Total Care — 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 | $631.58 | ↓ -87% |
| Molina | Medicare Advantage | $644.21 | ↓ -87% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $644.21 | ↓ -87% |
| United Healthcare | Medicare Advantage | $663.16 | ↓ -87% |
| Humana | Medicare Advantage | $663.16 | ↓ -87% |
| Amerivantage | Medicare Advantage | $663.16 | ↓ -87% |
| Health Partners Open Network | Commercial | $1,188.32 | ↓ -76% |
| Wellmark UHP Self-Funded | Commercial | $1,372.70 | ↓ -73% |
| Wellmark Blue Cross and Blue Shield | HMO | $1,372.70 | ↓ -73% |
| Aetna | HMO | $1,419.36 | ↓ -72% |
| Wellmark Blue Cross and Blue Shield | PPO | $1,614.90 | ↓ -68% |
| Cigna/Midlands | Commercial | $1,693.48 | ↓ -66% |
| Aetna | PPO | $1,727.64 | ↓ -66% |
| United Healthcare | HMO | $2,041.85 | ↓ -59% |
| United Healthcare | PPO | $2,041.85 | ↓ -59% |
| Medica Exchange Inspire | Commercial | $2,100.36 | ↓ -58% |
| Medica Exchange Insure | Commercial | $2,358.19 | ↓ -53% |
| Amerigroup | Managed Medicaid | $2,853.85 | ↓ -43% |
| Iowa Total Care | Managed Medicaid | $2,853.85 | ↓ -43% |
Visitor-reported prices
Comments
Pr amput fgr/thumb prim/sec any joint/phal sgl incl neurectomies w dir clsr at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $1,157.40 | not published |
| MercyOne Clinton Medical Center | Clinton | $2,445.00 | $20.01 – $264.00 |
| MercyOne Cedar Falls Medical Center | Cedar Falls | $24,540.35 | $0.96 – $6,322.47 |
| MercyOne Des Moines Medical Center | Des Moines | $13,771.75 | $3,088.40 – $6,352.30 |
| MercyOne Newton Medical Center | Newton | $2,445.00 | $20.01 – $264.00 |
| MercyOne North Iowa Medical Center | Mason City | $27,627.45 | $31.45 – $7,088.72 |
| MercyOne Genesis Davenport Medical Center | Davenport | $1,215.00 | not published |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $1,215.00 | $928.00 – $2,679.00 |