Echo guide for heart biopsy at CHI Health Mercy Council Bluffs
800 Mercy Drive, Council Bluffs, IA · Chihealth · · NPI 1265517759
$1,733.76
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.
$4,128.00
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.
$109.70 with Medica vs $3,508.80 with MultiPlan — 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 | Commercial|ACO | $109.70 | ↓ -94% |
| Creighton University Employees | Commercial|All Plans | $148.37 | ↓ -91% |
| Medica | Commercial|CHI Health | $177.45 | ↓ -90% |
| United | Commercial|All Plans | $183.71 | ↓ -89% |
| Medica | Commercial|All Other Plans | $185.83 | ↓ -89% |
| Centene | Medicaid|NE Total Care | $619.20 | ↓ -64% |
| ELAP | Commercial|All Plans | $1,155.84 | ↓ -33% |
| United | Medicaid|Community Plan | $1,898.88 | ↑ +10% |
| Midlands Choice | Commercial|Premier | $2,146.56 | ↑ +24% |
| Medica | Commercial|Open Access | $2,146.56 | ↑ +24% |
| QuikTrip | Commercial|All Plans | $2,476.80 | ↑ +43% |
| PHCS | Commercial|All Plans | $2,930.88 | ↑ +69% |
| Midlands Choice | Commercial|Standard | $3,096.00 | ↑ +79% |
| MultiPlan | Commercial|All Plans | $3,508.80 | ↑ +102% |
Visitor-reported prices
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Echo guide for heart biopsy at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Allen Hospital | Waterloo | $192.80 | $31.71 – $67.73 |
| UnityPoint Health - Finley Hospital | Dubuque | $192.80 | $31.71 – $92.92 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $192.80 | $31.71 – $67.73 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $192.80 | $31.71 – $67.73 |
| UnityPoint Health - Jones Regional Medical Center | Anamosa | $192.80 | $31.71 – $67.73 |
| UnityPoint Health - Marshalltown | Marshalltown | $192.80 | $31.71 – $67.73 |
| UnityPoint Health - St. Lukes Downtown | Sioux City | $192.80 | $26.26 – $67.73 |
| UnityPoint Health - Trinity Bettendorf | Bettendorf | $192.80 | $31.71 – $67.73 |