Implant cochlear device at UnityPoint Health - Finley Hospital
350 North Grandview Avenue, Dubuque, IA · UnityPoint Health · · NPI 1942392600
$6,016.00
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.
$7,520.00
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.
$1,086.37 with Aetna vs $27,966.37 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 | $1,086.37 | ↓ -82% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $1,108.10 | ↓ -82% |
| Molina | Medicare Advantage | $1,108.10 | ↓ -82% |
| Humana | Medicare Advantage | $1,140.69 | ↓ -81% |
| Amerivantage | Medicare Advantage | $1,140.69 | ↓ -81% |
| United Healthcare | Medicare Advantage | $1,140.69 | ↓ -81% |
| Meridian | MMAI (Medicare-Medicaid) | $1,140.69 | ↓ -81% |
| BC Illinois Community | Blue Choice | $1,835.13 | ↓ -69% |
| Medical Associates Health Plan | HMO | $2,009.78 | ↓ -67% |
| BC Illinois Community | PPO | $2,184.68 | ↓ -64% |
| Wellmark UPH Self-Funded | Commercial | $2,293.60 | ↓ -62% |
| Wellmark Blue Cross and Blue Shield | HMO | $2,293.60 | ↓ -62% |
| Health Partners Open Network | Commercial | $2,314.55 | ↓ -62% |
| Wellmark Blue Cross and Blue Shield | PPO | $2,698.30 | ↓ -55% |
| Aetna | HMO | $2,728.82 | ↓ -55% |
| Cigna/Midlands | Commercial | $2,927.35 | ↓ -51% |
| Aetna | PPO | $3,321.23 | ↓ -45% |
| Dean Health Plan | HMO | $3,459.20 | ↓ -43% |
| United Healthcare | HMO | $3,759.25 | ↓ -38% |
| United Healthcare | PPO | $3,759.25 | ↓ -38% |
| Amerigroup | Managed Medicaid | $27,966.37 | ↑ +365% |
| Iowa Total Care | Managed Medicaid | $27,966.37 | ↑ +365% |
| Medica Exchange Insure | Commercial | not published by hospital | — |
| Medica Exchange Inspire | Commercial | not published by hospital | — |
| Quartz Health | HMO | not published by hospital | — |
Visitor-reported prices
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Implant cochlear device at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne West Des Moines Medical Center | West Des Moines | $78,755.54 | $0.96 – $64,012.49 |
| UnityPoint Health - Allen Hospital | Waterloo | $6,016.00 | $1,086.37 – $26,364.72 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $6,016.00 | $1,086.37 – $31,647.66 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $6,016.00 | $1,086.37 – $30,645.29 |
| UnityPoint Health - Jones Regional Medical Center | Anamosa | $6,016.00 | $1,086.37 – $2,927.35 |
| UnityPoint Health - Marshalltown | Marshalltown | $6,016.00 | $1,086.37 – $30,952.07 |
| UnityPoint Health - St. Lukes Downtown | Sioux City | $6,016.00 | $977.60 – $28,169.70 |
| UnityPoint Health - Trinity Bettendorf | Bettendorf | $6,016.00 | $1,086.37 – $27,370.66 |