healthcosts.net
ER Visit (level 5, high severity) at UnityPoint Health - Trinity Muscatine
1518 Mulberry, Muscatine, IA · UnityPoint Health · · NPI 1861444333
$1,508.39
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.
$1,885.48
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.
$12.65 with Wellmark Blue Cross and Blue Shield vs $529.50 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 |
|---|---|---|---|
| Wellmark Blue Cross and Blue Shield | HMO | $12.65 | ↓ -99% |
| Wellmark Blue Cross and Blue Shield | PPO | $12.65 | ↓ -99% |
| Wellmark UPH Self-Funded | Commercial | $12.65 | ↓ -99% |
| Health Partners Open Network | Commercial | $15.18 | ↓ -99% |
| Medica Exchange Inspire | Commercial | $20.13 | ↓ -99% |
| Medica Exchange Insure | Commercial | $22.55 | ↓ -99% |
| Cigna/Midlands | Commercial | $30.09 | ↓ -98% |
| Aetna | Medicare Advantage | $159.07 | ↓ -89% |
| Ambetter | HMO | $159.07 | ↓ -89% |
| Blue Cross and Blue Shield | Medicare Advantage | $159.07 | ↓ -89% |
| Health Alliance | Medicare Advantage | $159.07 | ↓ -89% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $162.25 | ↓ -89% |
| Humana | Medicare Advantage | $167.02 | ↓ -89% |
| Meridian Health Plan | Medicare Advantage | $167.02 | ↓ -89% |
| United Healthcare | Medicare Advantage | $167.02 | ↓ -89% |
| BC Illinois Community | Blue Choice | $191.26 | ↓ -87% |
| BC Illinois Community | PPO | $227.69 | ↓ -85% |
| Aetna | HMO | $341.78 | ↓ -77% |
| Aetna | PPO | $341.78 | ↓ -77% |
| United Healthcare | HMO | $386.61 | ↓ -74% |
| United Healthcare | PPO | $386.61 | ↓ -74% |
| Amerigroup | Managed Medicaid | $529.50 | ↓ -65% |
| Iowa Total Care | Managed Medicaid | $529.50 | ↓ -65% |
Visitor-reported prices
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ER Visit (level 5, high severity) at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $2,811.57 | $14.41 – $590.69 |
| UnityPoint Health - Allen Hospital | Waterloo | $1,407.20 | $25.91 – $508.18 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $744.60 | $586.87 – $660.40 |
| MercyOne Dubuque Medical Center | Dubuque | $5,830.99 | $9.09 – $3,385.00 |
| MercyOne New Hampton Medical Center | New Hampton | $5,452.20 | $9.09 – $862.00 |
| MercyOne Dyersville Medical Center | Dyersville | $5,155.41 | $2.80 – $970.27 |
| MercyOne Clinton Medical Center | Clinton | $4,744.80 | $9.09 – $2,133.00 |
| MercyOne Oelwein Medical Center | Oelwein | $5,874.00 | $6.50 – $862.00 |