Breast punct aspir cyst, bil at UnityPoint Health - Marshalltown
55 UnityPoint Way, Marshalltown, IA · UnityPoint Health · · NPI 1629503057
$451.76
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.
$564.70
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.
$38.10 with Aetna vs $684.66 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 | $38.10 | ↓ -92% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $38.86 | ↓ -91% |
| Molina | Medicare Advantage | $38.86 | ↓ -91% |
| Amerivantage | Medicare Advantage | $40.01 | ↓ -91% |
| United Healthcare | Medicare Advantage | $40.01 | ↓ -91% |
| Humana | Medicare Advantage | $40.01 | ↓ -91% |
| Wellmark Blue Cross and Blue Shield | HMO | $75.30 | ↓ -83% |
| Wellmark UPH Self-Funded | Commercial | $75.30 | ↓ -83% |
| Health Partners Open Network | Commercial | $83.43 | ↓ -82% |
| Wellmark Blue Cross and Blue Shield | PPO | $88.60 | ↓ -80% |
| Aetna | PPO | $97.82 | ↓ -78% |
| Aetna | HMO | $97.82 | ↓ -78% |
| Cigna/Midlands | Commercial | $101.02 | ↓ -78% |
| United Healthcare | PPO | $137.21 | ↓ -70% |
| United Healthcare | HMO | $137.21 | ↓ -70% |
| Medica Exchange Inspire | Commercial | $242.26 | ↓ -46% |
| Medica Exchange Insure | Commercial | $271.06 | ↓ -40% |
| Amerigroup | Managed Medicaid | $684.66 | ↑ +52% |
| Iowa Total Care | Managed Medicaid | $684.66 | ↑ +52% |
Visitor-reported prices
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Breast punct aspir cyst, bil at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $714.60 | $516.10 – $673.49 |
| MercyOne Dubuque Medical Center | Dubuque | $682.50 | $38.10 – $1,414.91 |
| MercyOne West Des Moines Medical Center | West Des Moines | $795.00 | $38.10 – $1,374.78 |
| MercyOne Des Moines Medical Center | Des Moines | $516.75 | $11.05 – $795.00 |
| MercyOne North Iowa Medical Center | Mason City | $1,442.35 | $38.10 – $2,219.00 |
| MercyOne Genesis Davenport Medical Center | Davenport | $825.60 | $596.05 – $673.49 |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $825.60 | $254.77 – $296.82 |
| MercyOne Waterloo Medical Center | Waterloo | $1,212.90 | $38.10 – $3,576.15 |