Ghs insertion of needle - bone at UnityPoint Health - Finley Hospital
350 North Grandview Avenue, Dubuque, IA · UnityPoint Health · · NPI 1942392600
$148.80
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.
$186.00
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.
$52.85 with Aetna vs $350.85 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 | $52.85 | ↓ -64% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $53.91 | ↓ -64% |
| Molina | Medicare Advantage | $53.91 | ↓ -64% |
| Medica Exchange Inspire | Commercial | $53.96 | ↓ -64% |
| Amerivantage | Medicare Advantage | $55.49 | ↓ -63% |
| Meridian | MMAI (Medicare-Medicaid) | $55.49 | ↓ -63% |
| Humana | Medicare Advantage | $55.49 | ↓ -63% |
| United Healthcare | Medicare Advantage | $55.49 | ↓ -63% |
| Medica Exchange Insure | Commercial | $60.42 | ↓ -59% |
| Cigna/Midlands | Commercial | $77.43 | ↓ -48% |
| Medical Associates Health Plan | HMO | $85.05 | ↓ -43% |
| Health Partners Open Network | Commercial | $114.58 | ↓ -23% |
| Dean Health Plan | HMO | $117.31 | ↓ -21% |
| Quartz Health | HMO | $117.31 | ↓ -21% |
| Wellmark UPH Self-Funded | Commercial | $118.80 | ↓ -20% |
| Wellmark Blue Cross and Blue Shield | HMO | $118.80 | ↓ -20% |
| Aetna | HMO | $131.33 | ↓ -12% |
| BC Illinois Community | Blue Choice | $134.16 | ↓ -10% |
| Wellmark Blue Cross and Blue Shield | PPO | $139.70 | ↓ -6% |
| Aetna | PPO | $159.49 | ↑ +7% |
| BC Illinois Community | PPO | $159.71 | ↑ +7% |
| United Healthcare | HMO | $185.45 | ↑ +25% |
| United Healthcare | PPO | $185.45 | ↑ +25% |
| Amerigroup | Managed Medicaid | $350.85 | ↑ +136% |
| Iowa Total Care | Managed Medicaid | $350.85 | ↑ +136% |
Visitor-reported prices
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Ghs insertion of needle - bone at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $168.00 | $181.35 – $381.97 |
| MercyOne Oelwein Medical Center | Oelwein | $128.70 | $60.04 – $198.00 |
| MercyOne West Des Moines Medical Center | West Des Moines | $551.00 | $110.75 – $551.00 |
| MercyOne Des Moines Medical Center | Des Moines | $198.00 | $18.43 – $198.00 |
| MercyOne Centerville Medical Center | Centerville | $799.00 | $219.25 – $799.00 |
| MercyOne North Iowa Medical Center | Mason City | $198.00 | $18.96 – $162.20 |
| MercyOne Genesis Davenport Medical Center | Davenport | $202.80 | $219.70 – $381.97 |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $202.80 | $114.92 – $214.62 |