Dstrj nulyt agt gnclr nrv at UnityPoint Health - Iowa Lutheran Hospital
1200 Pleasant St, Des Moines, IA · UnityPoint Health · · NPI 1356433049
$3,711.53
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.
$4,639.41
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.
$133.88 with Aetna vs $4,489.44 with Aetna — 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 | $133.88 | ↓ -96% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $136.56 | ↓ -96% |
| Molina | Medicare Advantage | $136.56 | ↓ -96% |
| United Healthcare | Medicare Advantage | $140.57 | ↓ -96% |
| Amerivantage | Medicare Advantage | $140.57 | ↓ -96% |
| Humana | Medicare Advantage | $140.57 | ↓ -96% |
| Wellmark UPH Self-Funded | Commercial | $283.00 | ↓ -92% |
| Wellmark Blue Cross and Blue Shield | HMO | $283.00 | ↓ -92% |
| Health Partners Open Network | Commercial | $295.90 | ↓ -92% |
| Wellmark Blue Cross and Blue Shield | PPO | $333.00 | ↓ -91% |
| Cigna/Midlands | Commercial | $355.18 | ↓ -90% |
| United Healthcare | PPO | $464.43 | ↓ -87% |
| United Healthcare | HMO | $464.43 | ↓ -87% |
| Medica Exchange Inspire | Commercial | $1,215.53 | ↓ -67% |
| Medica Exchange Insure | Commercial | $1,363.99 | ↓ -63% |
| Aetna | HMO | $3,920.05 | ↑ +6% |
| Aetna | PPO | $4,489.44 | ↑ +21% |
| Amerigroup | Managed Medicaid | not published by hospital | — |
| Iowa Total Care | Managed Medicaid | not published by hospital | — |
Visitor-reported prices
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Dstrj nulyt agt gnclr nrv at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Des Moines Medical Center | Des Moines | $4,372.55 | $901.49 – $4,485.00 |
| MercyOne New Hampton Medical Center | New Hampton | $7,528.59 | $0.96 – $413.00 |
| MercyOne Cedar Falls Medical Center | Cedar Falls | $2,149.55 | $518.18 – $3,773.24 |
| MercyOne Centerville Medical Center | Centerville | $6,407.00 | $113.33 – $413.00 |
| MercyOne Newton Medical Center | Newton | $5,709.33 | $1,848.37 – $4,271.00 |
| MercyOne Waterloo Medical Center | Waterloo | $2,150.20 | $42.50 – $3,773.24 |
| UnityPoint Health - Allen Hospital | Waterloo | $3,576.45 | $133.88 – $2,355.99 |
| UnityPoint Health - Finley Hospital | Dubuque | $3,583.28 | $133.88 – $3,583.28 |