Ablation cryo adrenal tumor at UnityPoint Health - Iowa Lutheran Hospital
1200 Pleasant St, Des Moines, IA · UnityPoint Health · · NPI 1356433049
$10,348.33
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.
$12,935.41
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.
$3,389.08 with Medica Exchange Inspire vs $14,198.40 with United Healthcare — 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 Exchange Inspire | Commercial | $3,389.08 | ↓ -67% |
| Medica Exchange Insure | Commercial | $3,803.01 | ↓ -63% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $5,554.35 | ↓ -46% |
| Aetna | Medicare Advantage | $5,554.35 | ↓ -46% |
| Molina | Medicare Advantage | $5,554.35 | ↓ -46% |
| Cigna/Midlands | Commercial | $5,601.03 | ↓ -46% |
| Iowa Total Care | Managed Medicaid | $5,621.13 | ↓ -46% |
| Amerigroup | Managed Medicaid | $5,621.13 | ↓ -46% |
| United Healthcare | Medicare Advantage | $5,717.71 | ↓ -45% |
| Humana | Medicare Advantage | $5,717.71 | ↓ -45% |
| Amerivantage | Medicare Advantage | $5,717.71 | ↓ -45% |
| Health Partners Open Network | Commercial | $7,541.51 | ↓ -27% |
| Aetna | HMO | $11,712.04 | ↑ +13% |
| Aetna | PPO | $13,413.23 | ↑ +30% |
| United Healthcare | PPO | $14,198.40 | ↑ +37% |
| United Healthcare | HMO | $14,198.40 | ↑ +37% |
| Wellmark Blue Cross and Blue Shield | PPO | not published by hospital | — |
| Wellmark UPH Self-Funded | Commercial | not published by hospital | — |
| Wellmark Blue Cross and Blue Shield | HMO | not published by hospital | — |
Visitor-reported prices
Comments
Ablation cryo adrenal tumor at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Des Moines Medical Center | Des Moines | $43,405.09 | $71.76 – $11,736.86 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $3,635.40 | $3,938.35 – $5,584.77 |
| MercyOne Genesis Davenport Medical Center | Davenport | $4,199.40 | $4,549.35 – $5,584.77 |
| CHI Health Mercy Council Bluffs | Council Bluffs | $3,846.78 | $1,296.15 – $7,344.85 |
| UnityPoint Health - Allen Hospital | Waterloo | not published | $4,835.96 – $8,346.96 |
| UnityPoint Health - Finley Hospital | Dubuque | not published | $5,129.74 – $10,654.03 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | not published | $5,554.35 – $5,804.99 |
| UnityPoint Health - Marshalltown | Marshalltown | not published | $5,486.87 – $10,253.60 |