Version cephalic external at UnityPoint Health - Finley Hospital
350 North Grandview Avenue, Dubuque, IA · UnityPoint Health · · NPI 1942392600
$1,219.41
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.
$1,524.26
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.
$88.40 with Aetna vs $2,795.53 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 | $88.40 | ↓ -93% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $90.17 | ↓ -93% |
| Molina | Medicare Advantage | $90.17 | ↓ -93% |
| United Healthcare | Medicare Advantage | $92.82 | ↓ -92% |
| Humana | Medicare Advantage | $92.82 | ↓ -92% |
| Amerivantage | Medicare Advantage | $92.82 | ↓ -92% |
| Meridian | MMAI (Medicare-Medicaid) | $92.82 | ↓ -92% |
| Wellmark Blue Cross and Blue Shield | HMO | $128.70 | ↓ -89% |
| Wellmark UPH Self-Funded | Commercial | $128.70 | ↓ -89% |
| BC Illinois Community | Blue Choice | $131.28 | ↓ -89% |
| Wellmark Blue Cross and Blue Shield | PPO | $151.40 | ↓ -88% |
| BC Illinois Community | PPO | $156.29 | ↓ -87% |
| Medical Associates Health Plan | HMO | $163.54 | ↓ -87% |
| Health Partners Open Network | Commercial | $172.70 | ↓ -86% |
| Aetna | HMO | $190.32 | ↓ -84% |
| Aetna | PPO | $206.40 | ↓ -83% |
| Cigna/Midlands | Commercial | $237.12 | ↓ -81% |
| Dean Health Plan | HMO | $287.04 | ↓ -76% |
| United Healthcare | HMO | $311.11 | ↓ -74% |
| United Healthcare | PPO | $311.11 | ↓ -74% |
| Medica Exchange Inspire | Commercial | $560.93 | ↓ -54% |
| Medica Exchange Insure | Commercial | $628.00 | ↓ -48% |
| Quartz Health | HMO | $1,219.41 | ↑ +0% |
| Amerigroup | Managed Medicaid | $2,795.53 | ↑ +129% |
| Iowa Total Care | Managed Medicaid | $2,795.53 | ↑ +129% |
Visitor-reported prices
Comments
Version cephalic external at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Dubuque Medical Center | Dubuque | $1,477.45 | $811.46 – $6,468.07 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $674.40 | $730.60 – $3,043.51 |
| MercyOne Clinton Medical Center | Clinton | $5,910.45 | $2,573.32 – $9,093.00 |
| MercyOne West Des Moines Medical Center | West Des Moines | $1,977.00 | $397.38 – $6,284.60 |
| MercyOne Des Moines Medical Center | Des Moines | $1,407.25 | $435.17 – $6,284.60 |
| MercyOne North Iowa Medical Center | Mason City | $5,269.55 | $71.06 – $8,107.00 |
| MercyOne Genesis Davenport Medical Center | Davenport | $778.80 | $843.70 – $3,043.51 |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $241.80 | $294.19 – $2,679.00 |