Psychotherapy patient individual therapy 45 minutes at UnityPoint Health - Trinity Muscatine
1518 Mulberry, Muscatine, IA · UnityPoint Health · · NPI 1861444333
$209.60
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.
$262.00
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.
$36.27 with Wellmark Blue Cross and Blue Shield vs $218.53 with United Healthcare — 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 | PPO | $36.27 | ↓ -83% |
| Wellmark Blue Cross and Blue Shield | HMO | $36.27 | ↓ -83% |
| Wellmark UPH Self-Funded | Commercial | $36.27 | ↓ -83% |
| Health Partners Open Network | Commercial | $43.53 | ↓ -79% |
| Medica Exchange Inspire | Commercial | $57.72 | ↓ -72% |
| Medica Exchange Insure | Commercial | $64.66 | ↓ -69% |
| Cigna/Midlands | Commercial | $86.26 | ↓ -59% |
| Blue Cross and Blue Shield | Medicare Advantage | $89.14 | ↓ -57% |
| Aetna | Medicare Advantage | $89.14 | ↓ -57% |
| Ambetter | HMO | $89.14 | ↓ -57% |
| Health Alliance | Medicare Advantage | $89.14 | ↓ -57% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $90.92 | ↓ -57% |
| United Healthcare | Medicare Advantage | $93.60 | ↓ -55% |
| Meridian Health Plan | Medicare Advantage | $93.60 | ↓ -55% |
| Humana | Medicare Advantage | $93.60 | ↓ -55% |
| BC Illinois Community | Blue Choice | $126.81 | ↓ -39% |
| Aetna | HMO | $136.70 | ↓ -35% |
| Iowa Total Care | Managed Medicaid | $138.76 | ↓ -34% |
| Amerigroup | Managed Medicaid | $138.76 | ↓ -34% |
| Aetna | PPO | $142.07 | ↓ -32% |
| BC Illinois Community | PPO | $150.96 | ↓ -28% |
| United Healthcare | HMO | $218.53 | ↑ +4% |
| United Healthcare | PPO | $218.53 | ↑ +4% |
Visitor-reported prices
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Psychotherapy patient individual therapy 45 minutes at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $161.40 | $118.95 – $153.80 |
| MercyOne Dubuque Medical Center | Dubuque | $172.25 | $94.61 – $265.00 |
| MercyOne New Hampton Medical Center | New Hampton | $490.75 | $298.90 – $755.00 |
| MercyOne Dyersville Medical Center | Dyersville | $490.75 | $285.39 – $849.83 |
| MercyOne Oelwein Medical Center | Oelwein | $490.75 | $288.56 – $755.00 |
| MercyOne Elkader Medical Center | Elkader | $490.75 | $388.60 – $789.13 |
| MercyOne Des Moines Medical Center | Des Moines | $299.00 | $61.17 – $460.00 |
| MercyOne Centerville Medical Center | Centerville | $755.00 | $207.17 – $755.00 |