Ins pm gen exist dual lead at UnityPoint Health - Iowa Lutheran Hospital
1200 Pleasant St, Des Moines, IA · UnityPoint Health · · NPI 1356433049
$30,230.61
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.
$37,788.26
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.
$323.50 with Aetna vs $21,625.82 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 | $323.50 | ↓ -99% |
| Molina | Medicare Advantage | $329.97 | ↓ -99% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $329.97 | ↓ -99% |
| Humana | Medicare Advantage | $339.68 | ↓ -99% |
| Amerivantage | Medicare Advantage | $339.68 | ↓ -99% |
| United Healthcare | Medicare Advantage | $339.68 | ↓ -99% |
| Wellmark UPH Self-Funded | Commercial | $738.60 | ↓ -98% |
| Wellmark Blue Cross and Blue Shield | HMO | $738.60 | ↓ -98% |
| Health Partners Open Network | Commercial | $777.06 | ↓ -97% |
| Cigna/Midlands | Commercial | $865.83 | ↓ -97% |
| Wellmark Blue Cross and Blue Shield | PPO | $869.00 | ↓ -97% |
| Aetna | HMO | $881.90 | ↓ -97% |
| Aetna | PPO | $1,072.22 | ↓ -96% |
| United Healthcare | PPO | $1,173.15 | ↓ -96% |
| United Healthcare | HMO | $1,173.15 | ↓ -96% |
| Medica Exchange Inspire | Commercial | $9,900.52 | ↓ -67% |
| Medica Exchange Insure | Commercial | $11,109.75 | ↓ -63% |
| Amerigroup | Managed Medicaid | $21,625.82 | ↓ -28% |
| Iowa Total Care | Managed Medicaid | $21,625.82 | ↓ -28% |
Visitor-reported prices
Comments
Ins pm gen exist dual lead at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Des Moines Medical Center | Des Moines | $23,665.85 | $7,318.21 – $43,183.96 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $32,305.80 | $21,485.94 – $30,080.32 |
| MercyOne North Iowa Medical Center | Mason City | $26,230.10 | $10,330.62 – $48,190.23 |
| MercyOne Genesis Davenport Medical Center | Davenport | $35,956.80 | $21,485.94 – $30,080.32 |
| UnityPoint Health - Allen Hospital | Waterloo | $34,572.36 | $323.50 – $22,774.54 |
| UnityPoint Health - Marshalltown | Marshalltown | $34,572.36 | $323.50 – $21,842.30 |
| UnityPoint Health - Trinity Bettendorf | Bettendorf | $36,983.20 | $323.50 – $19,314.97 |
| UnityPoint Health - Trinity Muscatine | Muscatine | $36,983.20 | $323.50 – $19,385.45 |