Ins/rplc spi npg/rcvr pocket at CHI Health Mercy Council Bluffs
800 Mercy Drive, Council Bluffs, IA · Chihealth · · NPI 1265517759
$16,197.30
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.
$38,565.00
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.
$631.05 with Medica vs $65,930.31 with AMPS — 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 | $631.05 | ↓ -96% |
| Millard Public Schools | Commercial|Narrow Network | $3,034.03 | ↓ -81% |
| Greater Omaha Packing | Commercial|Narrow Network | $3,034.03 | ↓ -81% |
| One World | Commercial|Narrow Network | $3,034.03 | ↓ -81% |
| One World | Commercial|Broad Network | $3,489.13 | ↓ -78% |
| Millard Public Schools | Commercial|Broad Network | $3,489.13 | ↓ -78% |
| Timpte | Commercial|Broad Network | $3,489.13 | ↓ -78% |
| Greater Omaha Packing | Commercial|Broad Network | $3,489.13 | ↓ -78% |
| Centene | Medicaid|NE Total Care | $5,784.75 | ↓ -64% |
| ELAP | Commercial|All Plans | $10,798.20 | ↓ -33% |
| Creighton University Employees | Commercial|All Plans | $15,811.65 | ↓ -2% |
| United | Medicaid|Community Plan | $17,739.90 | ↑ +10% |
| United | Commercial|All Plans | $18,125.55 | ↑ +12% |
| Medica | Commercial|Open Access | $20,053.80 | ↑ +24% |
| Midlands Choice | Commercial|Premier | $20,053.80 | ↑ +24% |
| QuikTrip | Commercial|All Plans | $23,139.00 | ↑ +43% |
| PHCS | Commercial|All Plans | $27,381.15 | ↑ +69% |
| Medica | Commercial|CHI Health | $28,252.00 | ↑ +74% |
| Midlands Choice | Commercial|Standard | $28,923.75 | ↑ +79% |
| Centene | Medicaid|IA Total Care | $28,932.64 | ↑ +79% |
| Amerigroup | Medicaid|All Plans | $28,932.64 | ↑ +79% |
| IAMolina | Medicaid|All Plans | $29,499.94 | ↑ +82% |
| Humana | Medicare|All Plans | $29,698.34 | ↑ +83% |
| Medica | Medicare|All Plans | $29,698.34 | ↑ +83% |
| United | Medicare|All Plans | $29,698.34 | ↑ +83% |
| PACE | Medicare|All Plans | $29,698.34 | ↑ +83% |
| BCBS - NE | Medicare|All Plans | $29,698.34 | ↑ +83% |
| Todays Options | Medicare|All Plans | $30,292.31 | ↑ +87% |
| Centene | Medicare|All Plans | $30,589.29 | ↑ +89% |
| Amerigroup | Medicare|All Plans | $31,183.26 | ↑ +93% |
| Great Plains | Medicare|All Plans | $31,183.26 | ↑ +93% |
| MultiPlan | Commercial|All Plans | $32,780.25 | ↑ +102% |
| Medica | Commercial|All Other Plans | $38,526.00 | ↑ +138% |
| AMPS | Commercial|All Plans | $65,930.31 | ↑ +307% |
Visitor-reported prices
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Ins/rplc spi npg/rcvr pocket at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Dubuque Medical Center | Dubuque | $63,153.07 | $0.96 – $61,656.46 |
| MercyOne Des Moines Medical Center | Des Moines | $72,943.01 | $9.09 – $59,907.52 |
| MercyOne Newton Medical Center | Newton | $56,786.95 | $0.32 – $66,147.00 |
| CHI Health Mercy Corning | Corning | $14,289.12 | $12,800.67 – $29,173.62 |
| CHI Health Missouri Valley | Missouri Valley | $14,586.81 | $10,419.15 – $29,173.62 |