Kit ipg optimizer smart at MercyOne Elkader Medical Center
901 Davidson St. NW, Elkader, IA · MercyOne · · NPI 1184645434
$29,051.10
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.
$44,694.00
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.
$20,349.69 with BLUE CROSS - IA (WELLMARK) MEDICARE ADVANTAGE vs $41,324.07 with CLAIMDOC — 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 |
|---|---|---|---|
| BLUE CROSS - IA (WELLMARK) MEDICARE ADVANTAGE | WELLMARK MEDICARE ADVANTAGE | $20,349.69 | ↓ -30% |
| AETNA MEDICARE ADVANTAGE | AETNA MEDICARE ADVANTAGE | $20,559.24 | ↓ -29% |
| HEALTH PARTNERS MEDICARE ADVANTAGE | UNITYPOINT HEALTH PARTNERS MEDICARE ADV | $20,764.83 | ↓ -29% |
| WELLPOINT MEDICARE ADVANTAGE | WELLPOINT MEDICARE ADVANTAGE | $20,970.42 | ↓ -28% |
| MEDICARE MEDICAL ASSOCIATES HEALTH PLANS | MEDICAL ASSOCIATES MEDICARE ADVANTAGE | $21,349.98 | ↓ -27% |
| MEDIGOLD MEDICARE ADVANTAGE | MERCYONE HEALTH PLAN MEDICARE ADVANTAGE | $21,357.89 | ↓ -26% |
| UNITED HEALTHCARE MEDICARE | UNITED HEALTHCARE MEDICARE ADVANTAGE | $21,792.79 | ↓ -25% |
| IOWA TOTAL CARE | IOWA TOTAL CARE MEDICAID | $24,599.92 | ↓ -15% |
| MOLINA MEDICAID | MOLINA MEDICAID | $24,961.68 | ↓ -14% |
| WELLPOINT MEDICAID | WELLPOINT MEDICAID | $25,082.27 | ↓ -14% |
| AMISH HOSPITAL AID | AMISH HOSPITAL AID | $27,343.79 | ↓ -6% |
| MERITAIN | AETNA | $29,099.23 | ↑ +0% |
| MEDICAL MUTUAL | AETNA | $29,099.23 | ↑ +0% |
| LUMINARE HEALTH | AETNA | $29,099.23 | ↑ +0% |
| LUCENT HEALTH | AETNA | $29,099.23 | ↑ +0% |
| AETNA | AETNA | $29,099.23 | ↑ +0% |
| AETNA DOMESTIC | AETNA | $29,099.23 | ↑ +0% |
| ALLIED BENEFIT SYSTEMS | AETNA | $29,099.23 | ↑ +0% |
| ASR HEALTH BENEFITS | AETNA | $29,099.23 | ↑ +0% |
| 1199 NATIONAL BENEFIT FUND | AETNA | $29,099.23 | ↑ +0% |
| CHRISTIAN BROTHER SERVICES | AETNA | $29,099.23 | ↑ +0% |
| WEBTPA | AETNA | $29,099.23 | ↑ +0% |
| TRUSTMARK SMALL BUSINESS BENEFITS | AETNA | $29,099.23 | ↑ +0% |
| COVENTRY | AETNA | $29,099.23 | ↑ +0% |
| FIRST HEALTH | AETNA | $29,099.23 | ↑ +0% |
| CENTIVO | CENTIVO | $30,838.86 | ↑ +6% |
| MEDICAL ASSOCIATES | MEDICAL ASSOCIATES | $31,629.60 | ↑ +9% |
| HEALTH CHOICES | MEDICAL ASSOCIATES | $31,629.60 | ↑ +9% |
| AMBETTER | AMBETTER MARKETPLACE | $34,539.52 | ↑ +19% |
| UNITED HEALTHCARE | UNITED HEALTHCARE | $34,594.88 | ↑ +19% |
| GEHA | UNITED HEALTHCARE | $34,594.88 | ↑ +19% |
| HEALTH PARTNERS | HEALTH PARTNERS | $38,034.59 | ↑ +31% |
| MEDICA | MIDLANDS CHOICE | $38,746.26 | ↑ +33% |
| MIDLANDS | MIDLANDS CHOICE | $38,746.26 | ↑ +33% |
| MIDLANDS CHOICE | MIDLANDS CHOICE | $38,746.26 | ↑ +33% |
| CIGNA EAP | MIDLANDS CHOICE | $38,746.26 | ↑ +33% |
| CIGNA | MIDLANDS CHOICE | $38,746.26 | ↑ +33% |
| AUXIANT | MIDLANDS CHOICE | $38,746.26 | ↑ +33% |
| IOWA DEPT OF PUBLIC HEALTH | CARE FOR YOURSELF | $39,537.00 | ↑ +36% |
| CRIME VICTIM ASSISTANCE | CRIME VICTIMS | $39,537.00 | ↑ +36% |
| NOVA | CLAIMDOC | $41,324.07 | ↑ +42% |
| CLAIMDOC | CLAIMDOC | $41,324.07 | ↑ +42% |
Visitor-reported prices
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Kit ipg optimizer smart at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Dubuque Medical Center | Dubuque | $29,051.10 | $14,114.71 – $39,537.00 |
| MercyOne New Hampton Medical Center | New Hampton | $33,800.00 | $18,211.40 – $46,000.00 |
| MercyOne Dyersville Medical Center | Dyersville | $29,051.10 | $16,894.33 – $44,502.85 |
| MercyOne Clinton Medical Center | Clinton | $29,051.10 | $11,188.97 – $39,537.00 |
| MercyOne Oelwein Medical Center | Oelwein | $29,051.10 | $15,111.04 – $39,537.00 |
| MercyOne Cedar Falls Medical Center | Cedar Falls | $29,051.10 | $9,291.20 – $39,537.00 |
| MercyOne West Des Moines Medical Center | West Des Moines | $44,694.00 | $7,946.94 – $39,537.00 |
| MercyOne Des Moines Medical Center | Des Moines | $29,051.10 | $7,946.94 – $39,537.00 |