healthcosts.net
Hand X-ray at UnityPoint Health - Finley Hospital
350 North Grandview Avenue, Dubuque, IA · UnityPoint Health · · NPI 1942392600
$205.51
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.
?
What you pay up front if you don't use insurance.
$256.88
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.
?
The hospital's undiscounted list price — almost no one pays this.
$7.71 with Aetna vs $205.50 with Quartz Health — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 | $7.71 | ↓ -96% |
| Molina | Medicare Advantage | $7.86 | ↓ -96% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $7.86 | ↓ -96% |
| Amerivantage | Medicare Advantage | $8.10 | ↓ -96% |
| Humana | Medicare Advantage | $8.10 | ↓ -96% |
| Meridian | MMAI (Medicare-Medicaid) | $8.10 | ↓ -96% |
| United Healthcare | Medicare Advantage | $8.10 | ↓ -96% |
| United Healthcare | HMO | $11.17 | ↓ -95% |
| United Healthcare | PPO | $11.17 | ↓ -95% |
| Medical Associates Health Plan | HMO | $11.57 | ↓ -94% |
| Wellmark Blue Cross and Blue Shield | HMO | $14.30 | ↓ -93% |
| Wellmark UPH Self-Funded | Commercial | $14.30 | ↓ -93% |
| Cigna/Midlands | Commercial | $16.40 | ↓ -92% |
| Wellmark Blue Cross and Blue Shield | PPO | $16.80 | ↓ -92% |
| Health Partners Open Network | Commercial | $17.09 | ↓ -92% |
| BC Illinois Community | PPO | $17.96 | ↓ -91% |
| Aetna | HMO | $20.12 | ↓ -90% |
| Aetna | PPO | $22.78 | ↓ -89% |
| Dean Health Plan | HMO | $26.68 | ↓ -87% |
| BC Illinois Community | Blue Choice | $63.71 | ↓ -69% |
| Amerigroup | Managed Medicaid | $77.41 | ↓ -62% |
| Iowa Total Care | Managed Medicaid | $77.41 | ↓ -62% |
| Medica Exchange Inspire | Commercial | $94.53 | ↓ -54% |
| Medica Exchange Insure | Commercial | $105.83 | ↓ -49% |
| Quartz Health | HMO | $205.50 | ↓ -0% |
Visitor-reported prices
Comments
Hand X-ray at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Dubuque Medical Center | Dubuque | $404.95 | $78.07 – $415.00 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $389.88 | $7.71 – $143.28 |
| UnityPoint Health - Allen Hospital | Waterloo | $109.32 | $7.71 – $72.98 |
| MercyOne Clinton Medical Center | Clinton | $780.00 | $80.14 – $389.00 |
| MercyOne Des Moines Medical Center | Des Moines | $1,246.00 | $5.54 – $623.00 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $242.40 | $84.28 – $118.00 |
| MercyOne New Hampton Medical Center | New Hampton | $305.50 | $9.50 – $26.72 |
| MercyOne Dyersville Medical Center | Dyersville | $305.50 | $118.31 – $352.31 |