Surgical pathology level 5 gross & microscopic examination at MercyOne Elkader Medical Center
901 Davidson St. NW, Elkader, IA · MercyOne · · NPI 1184645434
$321.10
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.
$494.00
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.
$183.41 with IOWA DEPT OF PUBLIC HEALTH vs $516.33 with NOVA — 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 |
|---|---|---|---|
| IOWA DEPT OF PUBLIC HEALTH | CARE FOR YOURSELF | $183.41 | ↓ -43% |
| BLUE CROSS - IA (WELLMARK) MEDICARE ADVANTAGE | WELLMARK MEDICARE ADVANTAGE | $254.26 | ↓ -21% |
| AETNA MEDICARE ADVANTAGE | AETNA MEDICARE ADVANTAGE | $256.88 | ↓ -20% |
| HEALTH PARTNERS MEDICARE ADVANTAGE | UNITYPOINT HEALTH PARTNERS MEDICARE ADV | $259.45 | ↓ -19% |
| WELLPOINT MEDICARE ADVANTAGE | WELLPOINT MEDICARE ADVANTAGE | $262.02 | ↓ -18% |
| MEDICARE MEDICAL ASSOCIATES HEALTH PLANS | MEDICAL ASSOCIATES MEDICARE ADVANTAGE | $266.76 | ↓ -17% |
| MEDIGOLD MEDICARE ADVANTAGE | MERCYONE HEALTH PLAN MEDICARE ADVANTAGE | $266.86 | ↓ -17% |
| UNITED HEALTHCARE MEDICARE | UNITED HEALTHCARE MEDICARE ADVANTAGE | $272.29 | ↓ -15% |
| IOWA TOTAL CARE | IOWA TOTAL CARE MEDICAID | $307.37 | ↓ -4% |
| MOLINA MEDICAID | MOLINA MEDICAID | $311.89 | ↓ -3% |
| WELLPOINT MEDICAID | WELLPOINT MEDICAID | $313.39 | ↓ -2% |
| AMISH HOSPITAL AID | AMISH HOSPITAL AID | $341.65 | ↑ +6% |
| COVENTRY | AETNA | $363.58 | ↑ +13% |
| LUMINARE HEALTH | AETNA | $363.58 | ↑ +13% |
| CHRISTIAN BROTHER SERVICES | AETNA | $363.58 | ↑ +13% |
| TRUSTMARK SMALL BUSINESS BENEFITS | AETNA | $363.58 | ↑ +13% |
| LUCENT HEALTH | AETNA | $363.58 | ↑ +13% |
| AETNA | AETNA | $363.58 | ↑ +13% |
| ASR HEALTH BENEFITS | AETNA | $363.58 | ↑ +13% |
| 1199 NATIONAL BENEFIT FUND | AETNA | $363.58 | ↑ +13% |
| FIRST HEALTH | AETNA | $363.58 | ↑ +13% |
| AETNA DOMESTIC | AETNA | $363.58 | ↑ +13% |
| ALLIED BENEFIT SYSTEMS | AETNA | $363.58 | ↑ +13% |
| MERITAIN | AETNA | $363.58 | ↑ +13% |
| WEBTPA | AETNA | $363.58 | ↑ +13% |
| MEDICAL MUTUAL | AETNA | $363.58 | ↑ +13% |
| UNITED HEALTHCARE | UNITED HEALTHCARE | $370.50 | ↑ +15% |
| GEHA | UNITED HEALTHCARE | $370.50 | ↑ +15% |
| CENTIVO | CENTIVO | $385.32 | ↑ +20% |
| MEDICAL ASSOCIATES | MEDICAL ASSOCIATES | $395.20 | ↑ +23% |
| HEALTH CHOICES | MEDICAL ASSOCIATES | $395.20 | ↑ +23% |
| AMBETTER | AMBETTER MARKETPLACE | $431.56 | ↑ +34% |
| HEALTH PARTNERS | HEALTH PARTNERS | $475.23 | ↑ +48% |
| MEDICA | MIDLANDS CHOICE | $484.12 | ↑ +51% |
| MIDLANDS CHOICE | MIDLANDS CHOICE | $484.12 | ↑ +51% |
| AUXIANT | MIDLANDS CHOICE | $484.12 | ↑ +51% |
| CIGNA | MIDLANDS CHOICE | $484.12 | ↑ +51% |
| MIDLANDS | MIDLANDS CHOICE | $484.12 | ↑ +51% |
| CIGNA EAP | MIDLANDS CHOICE | $484.12 | ↑ +51% |
| CRIME VICTIM ASSISTANCE | CRIME VICTIMS | $494.00 | ↑ +54% |
| CLAIMDOC | CLAIMDOC | $516.33 | ↑ +61% |
| NOVA | CLAIMDOC | $516.33 | ↑ +61% |
Visitor-reported prices
Comments
Surgical pathology level 5 gross & microscopic examination at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $98.40 | $96.20 – $344.33 |
| MercyOne New Hampton Medical Center | New Hampton | $321.10 | $195.57 – $494.00 |
| MercyOne Dyersville Medical Center | Dyersville | $321.10 | $186.73 – $556.05 |
| MercyOne Clinton Medical Center | Clinton | $427.05 | $161.59 – $767.06 |
| MercyOne Cedar Falls Medical Center | Cedar Falls | $780.00 | $183.41 – $852.00 |
| MercyOne West Des Moines Medical Center | West Des Moines | $716.00 | $143.92 – $716.00 |
| MercyOne Des Moines Medical Center | Des Moines | $465.40 | $143.92 – $716.00 |
| MercyOne Centerville Medical Center | Centerville | $494.00 | $135.55 – $494.00 |