Bone marrow biopsyneedle/trocar 38221 at UnityPoint Health - Iowa Lutheran Hospital
1200 Pleasant St, Des Moines, IA · UnityPoint Health · · NPI 1356433049
$3,403.60
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.
$4,254.50
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.
$63.26 with Aetna vs $1,561.02 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 | $63.26 | ↓ -98% |
| Molina | Medicare Advantage | $64.53 | ↓ -98% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $64.53 | ↓ -98% |
| United Healthcare | Medicare Advantage | $66.42 | ↓ -98% |
| Humana | Medicare Advantage | $66.42 | ↓ -98% |
| Amerivantage | Medicare Advantage | $66.42 | ↓ -98% |
| Wellmark Blue Cross and Blue Shield | HMO | $130.50 | ↓ -96% |
| Wellmark UPH Self-Funded | Commercial | $130.50 | ↓ -96% |
| Health Partners Open Network | Commercial | $142.02 | ↓ -96% |
| Wellmark Blue Cross and Blue Shield | PPO | $153.50 | ↓ -95% |
| Aetna | HMO | $167.53 | ↓ -95% |
| Cigna/Midlands | Commercial | $170.50 | ↓ -95% |
| Aetna | PPO | $203.71 | ↓ -94% |
| United Healthcare | PPO | $221.98 | ↓ -93% |
| United Healthcare | HMO | $221.98 | ↓ -93% |
| Medica Exchange Inspire | Commercial | $557.34 | ↓ -84% |
| Medica Exchange Insure | Commercial | $625.41 | ↓ -82% |
| Amerigroup | Managed Medicaid | $1,561.02 | ↓ -54% |
| Iowa Total Care | Managed Medicaid | $1,561.02 | ↓ -54% |
Visitor-reported prices
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Bone marrow biopsyneedle/trocar 38221 at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Des Moines Medical Center | Des Moines | $1,676.35 | $345.52 – $3,206.43 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $1,715.40 | $1,550.93 – $1,858.35 |
| MercyOne Centerville Medical Center | Centerville | $4,079.00 | $62.70 – $470.00 |
| MercyOne North Iowa Medical Center | Mason City | $2,351.70 | $617.47 – $3,578.15 |
| MercyOne Genesis Davenport Medical Center | Davenport | $1,981.80 | $1,550.93 – $2,146.95 |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $1,981.80 | $387.63 – $1,123.02 |
| MercyOne Waterloo Medical Center | Waterloo | $3,900.00 | $940.00 – $4,000.00 |
| UnityPoint Health - Allen Hospital | Waterloo | $3,665.09 | $63.26 – $1,342.97 |