Surgical pathology level 3 gross & microscopic examination at UnityPoint Health - Marshalltown
55 UnityPoint Way, Marshalltown, IA · UnityPoint Health · · NPI 1629503057
$98.56
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.
$123.20
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.
$10.22 with Aetna vs $59.14 with Medica Exchange Insure — 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 | $10.22 | ↓ -90% |
| Molina | Medicare Advantage | $10.42 | ↓ -89% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $10.42 | ↓ -89% |
| United Healthcare | Medicare Advantage | $10.73 | ↓ -89% |
| Humana | Medicare Advantage | $10.73 | ↓ -89% |
| Amerivantage | Medicare Advantage | $10.73 | ↓ -89% |
| United Healthcare | HMO | $11.37 | ↓ -88% |
| United Healthcare | PPO | $11.37 | ↓ -88% |
| Cigna/Midlands | Commercial | $13.44 | ↓ -86% |
| Wellmark UPH Self-Funded | Commercial | $18.70 | ↓ -81% |
| Wellmark Blue Cross and Blue Shield | HMO | $18.70 | ↓ -81% |
| Wellmark Blue Cross and Blue Shield | PPO | $22.00 | ↓ -78% |
| Health Partners Open Network | Commercial | $27.47 | ↓ -72% |
| Aetna | PPO | $34.84 | ↓ -65% |
| Aetna | HMO | $34.84 | ↓ -65% |
| Amerigroup | Managed Medicaid | $51.99 | ↓ -47% |
| Iowa Total Care | Managed Medicaid | $51.99 | ↓ -47% |
| Medica Exchange Inspire | Commercial | $52.85 | ↓ -46% |
| Medica Exchange Insure | Commercial | $59.14 | ↓ -40% |
Visitor-reported prices
Comments
Surgical pathology level 3 gross & microscopic examination at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $70.80 | $51.14 – $71.60 |
| MercyOne Dubuque Medical Center | Dubuque | $222.95 | $6.60 – $343.00 |
| MercyOne New Hampton Medical Center | New Hampton | $122.20 | $74.43 – $188.00 |
| MercyOne Dyersville Medical Center | Dyersville | $122.20 | $71.06 – $211.61 |
| MercyOne Clinton Medical Center | Clinton | $222.95 | $47.99 – $295.00 |
| MercyOne Oelwein Medical Center | Oelwein | $122.20 | $71.85 – $188.00 |
| MercyOne Cedar Falls Medical Center | Cedar Falls | $301.60 | $49.09 – $464.00 |
| MercyOne Elkader Medical Center | Elkader | $122.20 | $96.76 – $196.50 |