Repair elbow perc at UnityPoint Health - St. Luke's Hospital
1026 A Avenue N.E, Cedar Rapids, IA · UnityPoint Health · · NPI 1083708226
$4,534.96
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.
$5,668.69
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.
$381.67 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 | $381.67 | ↓ -92% |
| Molina | Medicare Advantage | $389.30 | ↓ -91% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $389.30 | ↓ -91% |
| United Healthcare | Medicare Advantage | $400.75 | ↓ -91% |
| Humana | Medicare Advantage | $400.75 | ↓ -91% |
| Amerivantage | Medicare Advantage | $400.75 | ↓ -91% |
| Health Partners Open Network | Commercial | $809.74 | ↓ -82% |
| Wellmark UHP Self-Funded | Commercial | $817.60 | ↓ -82% |
| Wellmark Blue Cross and Blue Shield | HMO | $817.60 | ↓ -82% |
| Aetna | HMO | $956.95 | ↓ -79% |
| Wellmark Blue Cross and Blue Shield | PPO | $961.90 | ↓ -79% |
| Cigna/Midlands | Commercial | $1,021.10 | ↓ -77% |
| Aetna | PPO | $1,163.36 | ↓ -74% |
| United Healthcare | HMO | $1,295.12 | ↓ -71% |
| United Healthcare | PPO | $1,295.12 | ↓ -71% |
| Medica Exchange Inspire | Commercial | $1,893.34 | ↓ -58% |
| Medica Exchange Insure | Commercial | $2,125.76 | ↓ -53% |
| Amerigroup | Managed Medicaid | $2,853.85 | ↓ -37% |
| Iowa Total Care | Managed Medicaid | $2,853.85 | ↓ -37% |
Visitor-reported prices
Comments
Repair elbow perc at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $578.40 | not published |
| MercyOne Cedar Falls Medical Center | Cedar Falls | $1,469.00 | $122.58 – $1,137.17 |
| MercyOne Genesis Davenport Medical Center | Davenport | $607.20 | not published |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $607.20 | $738.76 – $2,679.00 |
| MercyOne Waterloo Medical Center | Waterloo | $33,334.06 | $0.96 – $6,322.47 |
| UnityPoint Health - Allen Hospital | Waterloo | $6,861.01 | $381.67 – $4,519.69 |
| UnityPoint Health - Finley Hospital | Dubuque | $2,073.60 | $381.67 – $2,852.76 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $2,073.60 | $381.67 – $3,228.27 |