Brace back t-lso custom at UnityPoint Health - Finley Hospital
350 North Grandview Avenue, Dubuque, IA · UnityPoint Health · · NPI 1942392600
$5,319.00
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.
$6,648.75
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.
$1,059.70 with United Healthcare vs $5,319.00 with Quartz Health — 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 |
|---|---|---|---|
| United Healthcare | HMO | $1,059.70 | ↓ -80% |
| United Healthcare | PPO | $1,059.70 | ↓ -80% |
| BC Illinois Community | Blue Choice | $1,537.07 | ↓ -71% |
| BC Illinois Community | PPO | $1,829.85 | ↓ -66% |
| Wellmark Blue Cross and Blue Shield | PPO | $2,081.64 | ↓ -61% |
| Wellmark Blue Cross and Blue Shield | HMO | $2,081.64 | ↓ -61% |
| Wellmark UPH Self-Funded | Commercial | $2,081.64 | ↓ -61% |
| Aetna | HMO | $2,124.12 | ↓ -60% |
| Aetna | PPO | $2,124.12 | ↓ -60% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $2,166.60 | ↓ -59% |
| Aetna | Medicare Advantage | $2,166.60 | ↓ -59% |
| Molina | Medicare Advantage | $2,166.60 | ↓ -59% |
| Health Partners Open Network | Commercial | $2,194.14 | ↓ -59% |
| Humana | Medicare Advantage | $2,230.33 | ↓ -58% |
| United Healthcare | Medicare Advantage | $2,230.33 | ↓ -58% |
| Amerivantage | Medicare Advantage | $2,230.33 | ↓ -58% |
| Medica Exchange Inspire | Commercial | $2,446.74 | ↓ -54% |
| Meridian | MMAI (Medicare-Medicaid) | $2,463.98 | ↓ -54% |
| Cigna/Midlands | Commercial | $2,696.64 | ↓ -49% |
| Medica Exchange Insure | Commercial | $2,739.29 | ↓ -48% |
| Medical Associates Health Plan | HMO | $3,856.28 | ↓ -27% |
| Dean Health Plan | HMO | $5,319.00 | ↑ +0% |
| Quartz Health | HMO | $5,319.00 | ↑ +0% |
| Amerigroup | Managed Medicaid | not published by hospital | — |
| Iowa Total Care | Managed Medicaid | not published by hospital | — |
Visitor-reported prices
Comments
Brace back t-lso custom at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Dubuque Medical Center | Dubuque | $2,912.40 | $1,599.58 – $4,480.62 |
| MercyOne New Hampton Medical Center | New Hampton | $2,767.13 | $1,685.39 – $4,257.12 |
| MercyOne Dyersville Medical Center | Dyersville | $2,912.40 | $1,693.67 – $5,043.39 |
| MercyOne Clinton Medical Center | Clinton | $2,912.40 | $1,268.02 – $4,480.62 |
| MercyOne Oelwein Medical Center | Oelwein | $2,913.85 | $1,713.35 – $4,482.85 |
| MercyOne Cedar Falls Medical Center | Cedar Falls | $2,912.40 | $1,052.95 – $4,480.62 |
| MercyOne Elkader Medical Center | Elkader | $2,912.40 | $2,306.18 – $4,683.14 |
| MercyOne West Des Moines Medical Center | West Des Moines | $4,482.85 | $901.05 – $4,482.85 |