Prenatal Care Only (4-6 visits) at UnityPoint Health - Finley Hospital
350 North Grandview Avenue, Dubuque, IA · UnityPoint Health · · NPI 1942392600
$1,136.00
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.
$1,420.00
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.
$375.19 with Aetna vs $1,306.40 with Dean Health Plan — 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 | $375.19 | ↓ -67% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $382.69 | ↓ -66% |
| Molina | Medicare Advantage | $382.69 | ↓ -66% |
| Humana | Medicare Advantage | $393.95 | ↓ -65% |
| Amerivantage | Medicare Advantage | $393.95 | ↓ -65% |
| United Healthcare | Medicare Advantage | $393.95 | ↓ -65% |
| Meridian | MMAI (Medicare-Medicaid) | $393.95 | ↓ -65% |
| Wellmark UPH Self-Funded | Commercial | $542.30 | ↓ -52% |
| Wellmark Blue Cross and Blue Shield | HMO | $542.30 | ↓ -52% |
| Health Partners Open Network | Commercial | $585.75 | ↓ -48% |
| Wellmark Blue Cross and Blue Shield | PPO | $638.00 | ↓ -44% |
| Aetna | HMO | $655.39 | ↓ -42% |
| BC Illinois Community | PPO | $660.13 | ↓ -42% |
| Medical Associates Health Plan | HMO | $694.10 | ↓ -39% |
| BC Illinois Community | Blue Choice | $702.84 | ↓ -38% |
| Aetna | PPO | $710.34 | ↓ -37% |
| Cigna/Midlands | Commercial | $1,005.30 | ↓ -12% |
| United Healthcare | HMO | $1,079.46 | ↓ -5% |
| United Healthcare | PPO | $1,079.46 | ↓ -5% |
| Dean Health Plan | HMO | $1,306.40 | ↑ +15% |
| Quartz Health | HMO | not published by hospital | — |
| Medica Exchange Insure | Commercial | not published by hospital | — |
| Iowa Total Care | Managed Medicaid | not published by hospital | — |
| Amerigroup | Managed Medicaid | not published by hospital | — |
| Medica Exchange Inspire | Commercial | not published by hospital | — |
Visitor-reported prices
Comments
Prenatal Care Only (4-6 visits) at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $889.80 | not published |
| MercyOne North Iowa Medical Center | Mason City | $1,400.00 | $65.89 – $1,400.00 |
| MercyOne Genesis Davenport Medical Center | Davenport | $934.20 | not published |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $934.20 | $928.00 – $2,679.00 |
| MercyOne Waterloo Medical Center | Waterloo | $1,400.00 | $65.89 – $1,005.50 |
| UnityPoint Health - Allen Hospital | Waterloo | $1,136.00 | $375.19 – $1,005.30 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $1,136.00 | $375.19 – $1,005.30 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $1,136.00 | $375.19 – $1,005.30 |