healthcosts.net
Treat humerus fracture at UnityPoint Health - Trinity Regional Medical Center
802 Kenyon Road, Fort Dodge, IA · UnityPoint Health · · NPI 1487759858
$2,632.00
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.
$3,290.00
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.
$456.17 with Aetna vs $2,025.48 with Medica Exchange Inspire — 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 | $456.17 | ↓ -83% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $465.29 | ↓ -82% |
| United Healthcare | Medicare Advantage | $478.98 | ↓ -82% |
| Humana | Medicare Advantage | $478.98 | ↓ -82% |
| Health Partners Open Network | Commercial | $900.53 | ↓ -66% |
| Wellmark UPH Self-Funded | Commercial | $993.40 | ↓ -62% |
| Wellmark Blue Cross and Blue Shield | HMO | $993.40 | ↓ -62% |
| Aetna | HMO | $1,082.94 | ↓ -59% |
| Medica Exchange Insure | Commercial | $1,103.29 | ↓ -58% |
| Wellmark Blue Cross and Blue Shield | PPO | $1,168.70 | ↓ -56% |
| Cigna/Midlands | Commercial | $1,211.05 | ↓ -54% |
| Aetna | PPO | $1,318.85 | ↓ -50% |
| Amerigroup | Managed Medicaid | $1,364.06 | ↓ -48% |
| Iowa Total Care | Managed Medicaid | $1,364.06 | ↓ -48% |
| United Healthcare | PPO | $1,505.67 | ↓ -43% |
| United Healthcare | HMO | $1,505.67 | ↓ -43% |
| Medica Exchange Inspire | Commercial | $2,025.48 | ↓ -23% |
Visitor-reported prices
Comments
Treat humerus fracture at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Allen Hospital | Waterloo | $2,632.00 | $248.02 – $1,326.54 |
| UnityPoint Health - Finley Hospital | Dubuque | $2,632.00 | $456.17 – $1,513.40 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $2,632.00 | $405.44 – $1,592.36 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $2,632.00 | $393.93 – $1,541.92 |
| UnityPoint Health - Jones Regional Medical Center | Anamosa | $2,632.00 | $456.17 – $1,211.05 |
| UnityPoint Health - Marshalltown | Marshalltown | $2,632.00 | $184.30 – $1,557.36 |
| UnityPoint Health - St. Lukes Downtown | Sioux City | $2,886.72 | $427.70 – $2,085.66 |
| UnityPoint Health - Trinity Bettendorf | Bettendorf | $2,632.00 | $291.25 – $1,377.16 |