ER Visit (level 3) at CHI Health Mercy Council Bluffs
800 Mercy Drive, Council Bluffs, IA · Chihealth · · NPI 1265517759
$651.00
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.
$1,550.00
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.
$135.01 with Medica vs $1,553.00 with Millard Public Schools — 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 | $135.01 | ↓ -79% |
| Centene | Medicaid|NE Total Care | $232.50 | ↓ -64% |
| Amerigroup | Medicaid|All Plans | $262.88 | ↓ -60% |
| Centene | Medicaid|IA Total Care | $262.88 | ↓ -60% |
| IAMolina | Medicaid|All Plans | $268.04 | ↓ -59% |
| Humana | Medicare|All Plans | $269.85 | ↓ -59% |
| Medica | Medicare|All Plans | $269.85 | ↓ -59% |
| United | Medicare|All Plans | $269.85 | ↓ -59% |
| PACE | Medicare|All Plans | $269.85 | ↓ -59% |
| BCBS - NE | Medicare|All Plans | $269.85 | ↓ -59% |
| Todays Options | Medicare|All Plans | $275.25 | ↓ -58% |
| Centene | Medicare|All Plans | $277.95 | ↓ -57% |
| Amerigroup | Medicare|All Plans | $283.34 | ↓ -56% |
| Great Plains | Medicare|All Plans | $283.34 | ↓ -56% |
| ELAP | Commercial|All Plans | $434.00 | ↓ -33% |
| AMPS | Commercial|All Plans | $599.07 | ↓ -8% |
| Medica | Commercial|CHI Health | $652.00 | ↑ +0% |
| United | Medicaid|Community Plan | $713.00 | ↑ +10% |
| Medica | Commercial|Open Access | $806.00 | ↑ +24% |
| Midlands Choice | Commercial|Premier | $806.00 | ↑ +24% |
| Medica | Commercial|All Other Plans | $890.00 | ↑ +37% |
| QuikTrip | Commercial|All Plans | $930.00 | ↑ +43% |
| PHCS | Commercial|All Plans | $1,100.50 | ↑ +69% |
| Midlands Choice | Commercial|Standard | $1,162.50 | ↑ +79% |
| Creighton University Employees | Commercial|All Plans | $1,218.00 | ↑ +87% |
| MultiPlan | Commercial|All Plans | $1,317.50 | ↑ +102% |
| Millard Public Schools | Commercial|Narrow Network | $1,350.00 | ↑ +107% |
| Greater Omaha Packing | Commercial|Narrow Network | $1,350.00 | ↑ +107% |
| One World | Commercial|Narrow Network | $1,350.00 | ↑ +107% |
| United | Commercial|All Plans | $1,475.00 | ↑ +127% |
| Greater Omaha Packing | Commercial|Broad Network | $1,553.00 | ↑ +139% |
| One World | Commercial|Broad Network | $1,553.00 | ↑ +139% |
| Timpte | Commercial|Broad Network | $1,553.00 | ↑ +139% |
| Millard Public Schools | Commercial|Broad Network | $1,553.00 | ↑ +139% |
Visitor-reported prices
Comments
ER Visit (level 3) at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $370.80 | $239.20 – $265.04 |
| MercyOne Dubuque Medical Center | Dubuque | $1,172.31 | $1.20 – $825.00 |
| MercyOne New Hampton Medical Center | New Hampton | $972.92 | $39.71 – $156.00 |
| MercyOne Dyersville Medical Center | Dyersville | $602.55 | $44.30 – $175.59 |
| MercyOne Clinton Medical Center | Clinton | $1,092.55 | $44.30 – $931.00 |
| MercyOne Oelwein Medical Center | Oelwein | $602.55 | $44.30 – $156.00 |
| MercyOne Cedar Falls Medical Center | Cedar Falls | $1,785.00 | $44.30 – $1,219.53 |
| MercyOne Elkader Medical Center | Elkader | $1,772.00 | $9.09 – $163.05 |