healthcosts.net
ER Visit (level 3) at UnityPoint Health - Finley Hospital
350 North Grandview Avenue, Dubuque, IA · UnityPoint Health · · NPI 1942392600
$416.72
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.
$520.90
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.
$20.24 with Medica Exchange Inspire vs $243.45 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 |
|---|---|---|---|
| Medica Exchange Inspire | Commercial | $20.24 | ↓ -95% |
| Medica Exchange Insure | Commercial | $22.66 | ↓ -95% |
| Cigna/Midlands | Commercial | $29.04 | ↓ -93% |
| Medical Associates Health Plan | HMO | $31.90 | ↓ -92% |
| Dean Health Plan | HMO | $44.00 | ↓ -89% |
| Quartz Health | HMO | $44.00 | ↓ -89% |
| Aetna | Medicare Advantage | $64.46 | ↓ -85% |
| Molina | Medicare Advantage | $65.75 | ↓ -84% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $65.75 | ↓ -84% |
| Amerivantage | Medicare Advantage | $67.68 | ↓ -84% |
| Humana | Medicare Advantage | $67.68 | ↓ -84% |
| Meridian | MMAI (Medicare-Medicaid) | $67.68 | ↓ -84% |
| United Healthcare | Medicare Advantage | $67.68 | ↓ -84% |
| BC Illinois Community | Blue Choice | $77.52 | ↓ -81% |
| BC Illinois Community | PPO | $92.29 | ↓ -78% |
| Health Partners Open Network | Commercial | $105.08 | ↓ -75% |
| Wellmark Blue Cross and Blue Shield | HMO | $116.30 | ↓ -72% |
| Wellmark Blue Cross and Blue Shield | PPO | $116.30 | ↓ -72% |
| Wellmark UPH Self-Funded | Commercial | $116.30 | ↓ -72% |
| Aetna | HMO | $120.63 | ↓ -71% |
| Aetna | PPO | $120.63 | ↓ -71% |
| United Healthcare | HMO | $145.66 | ↓ -65% |
| United Healthcare | PPO | $145.66 | ↓ -65% |
| Amerigroup | Managed Medicaid | $243.45 | ↓ -42% |
| Iowa Total Care | Managed Medicaid | $243.45 | ↓ -42% |
Visitor-reported prices
Comments
ER Visit (level 3) at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Dubuque Medical Center | Dubuque | $1,172.31 | $1.20 – $825.00 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $1,221.88 | $14.41 – $266.77 |
| MercyOne New Hampton Medical Center | New Hampton | $972.92 | $39.71 – $156.00 |
| UnityPoint Health - Allen Hospital | Waterloo | $599.16 | $25.91 – $229.51 |
| MercyOne Elkader Medical Center | Elkader | $1,772.00 | $9.09 – $163.05 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $370.80 | $239.20 – $265.04 |
| MercyOne Dyersville Medical Center | Dyersville | $602.55 | $44.30 – $175.59 |
| MercyOne Clinton Medical Center | Clinton | $1,092.55 | $44.30 – $931.00 |