Repair nasal septum defect at UnityPoint Health - Trinity Regional Medical Center
802 Kenyon Road, Fort Dodge, IA · UnityPoint Health · · NPI 1487759858
$1,591.20
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.
$1,989.00
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.
$597.15 with Aetna vs $2,764.11 with Amerigroup — 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 | $597.15 | ↓ -62% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $609.09 | ↓ -62% |
| Humana | Medicare Advantage | $627.01 | ↓ -61% |
| United Healthcare | Medicare Advantage | $627.01 | ↓ -61% |
| Health Partners Open Network | Commercial | $1,156.51 | ↓ -27% |
| Wellmark Blue Cross and Blue Shield | HMO | $1,236.20 | ↓ -22% |
| Wellmark UPH Self-Funded | Commercial | $1,236.20 | ↓ -22% |
| Aetna | HMO | $1,379.16 | ↓ -13% |
| Wellmark Blue Cross and Blue Shield | PPO | $1,454.30 | ↓ -9% |
| Cigna/Midlands | Commercial | $1,615.39 | ↑ +2% |
| Aetna | PPO | $1,679.38 | ↑ +6% |
| United Healthcare | HMO | $1,988.30 | ↑ +25% |
| United Healthcare | PPO | $1,988.30 | ↑ +25% |
| Iowa Total Care | Managed Medicaid | $2,764.11 | ↑ +74% |
| Amerigroup | Managed Medicaid | $2,764.11 | ↑ +74% |
| Medica Exchange Inspire | Commercial | not published by hospital | — |
| Medica Exchange Insure | Commercial | not published by hospital | — |
Visitor-reported prices
Comments
Repair nasal septum defect at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $1,158.00 | not published |
| MercyOne North Iowa Medical Center | Mason City | $36,274.03 | $9.09 – $7,182.87 |
| MercyOne Genesis Davenport Medical Center | Davenport | $1,216.20 | not published |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $1,216.20 | $928.00 – $2,679.00 |
| UnityPoint Health - Allen Hospital | Waterloo | $1,591.20 | $597.15 – $2,688.10 |
| UnityPoint Health - Finley Hospital | Dubuque | $1,591.20 | $597.15 – $2,851.40 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $1,591.20 | $597.15 – $3,226.74 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $1,591.20 | $597.15 – $3,124.54 |