Ins/rpl prph sac/gstr npg/r at UnityPoint Health - Iowa Lutheran Hospital
1200 Pleasant St, Des Moines, IA · UnityPoint Health · · NPI 1356433049
$782.40
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.
$978.00
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.
$265.83 with Aetna vs $20,660.62 with Amerigroup — 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 | $265.83 | ↓ -66% |
| Molina | Medicare Advantage | $271.15 | ↓ -65% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $271.15 | ↓ -65% |
| Humana | Medicare Advantage | $279.12 | ↓ -64% |
| Amerivantage | Medicare Advantage | $279.12 | ↓ -64% |
| United Healthcare | Medicare Advantage | $279.12 | ↓ -64% |
| Health Partners Open Network | Commercial | $317.17 | ↓ -59% |
| Aetna | HMO | $357.86 | ↓ -54% |
| Aetna | PPO | $435.60 | ↓ -44% |
| United Healthcare | PPO | $500.83 | ↓ -36% |
| United Healthcare | HMO | $500.83 | ↓ -36% |
| Wellmark UPH Self-Funded | Commercial | $569.20 | ↓ -27% |
| Wellmark Blue Cross and Blue Shield | HMO | $569.20 | ↓ -27% |
| Wellmark Blue Cross and Blue Shield | PPO | $669.70 | ↓ -14% |
| Cigna/Midlands | Commercial | $709.17 | ↓ -9% |
| Iowa Total Care | Managed Medicaid | $20,660.62 | ↑ +2541% |
| Amerigroup | Managed Medicaid | $20,660.62 | ↑ +2541% |
| Medica Exchange Inspire | Commercial | not published by hospital | — |
| Medica Exchange Insure | Commercial | not published by hospital | — |
Visitor-reported prices
Comments
Ins/rpl prph sac/gstr npg/r at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Des Moines Medical Center | Des Moines | $771.00 | $49.52 – $646.53 |
| MercyOne West Des Moines Medical Center | West Des Moines | $42,016.18 | $0.96 – $37,663.62 |
| UnityPoint Health - Allen Hospital | Waterloo | $782.40 | $265.83 – $17,774.73 |
| UnityPoint Health - Finley Hospital | Dubuque | $782.40 | $265.83 – $18,854.53 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $782.40 | $265.83 – $21,336.41 |
| UnityPoint Health - Jones Regional Medical Center | Anamosa | $782.40 | $265.83 – $709.17 |
| UnityPoint Health - Marshalltown | Marshalltown | $782.40 | $265.83 – $20,867.45 |
| UnityPoint Health - St. Lukes Downtown | Sioux City | $782.40 | $254.28 – $18,991.61 |