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Upper Back (Thoracic Spine) MRI (with and without contrast) at MercyOne Oelwein Medical Center
201 8th Ave SE, Oelwein, IA · MercyOne · · NPI 1528009511
$4,634.50
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.
$7,130.00
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.
$2,725.09 with MEDICARE MEDICAL ASSOCIATES HEALTH PLANS vs $7,130.00 with IOWA DEPT OF PUBLIC HEALTH — 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 |
|---|---|---|---|
| MEDICARE MEDICAL ASSOCIATES HEALTH PLANS | MEDICAL ASSOCIATES MEDICARE ADVANTAGE | $2,725.09 | ↓ -41% |
| IOWA TOTAL CARE | IOWA TOTAL CARE MEDICAID | $2,763.59 | ↓ -40% |
| MOLINA MEDICAID | MOLINA MEDICAID | $2,804.23 | ↓ -39% |
| WELLPOINT MEDICAID | WELLPOINT MEDICAID | $2,817.78 | ↓ -39% |
| BLUE CROSS - IA (WELLMARK) MEDICARE ADVANTAGE | WELLMARK MEDICARE ADVANTAGE | $2,893.35 | ↓ -38% |
| HEALTH PARTNERS MEDICARE ADVANTAGE | UNITYPOINT HEALTH PARTNERS MEDICARE ADV | $2,952.53 | ↓ -36% |
| WELLPOINT MEDICARE ADVANTAGE | WELLPOINT MEDICARE ADVANTAGE | $2,981.77 | ↓ -36% |
| MEDIGOLD MEDICARE ADVANTAGE | MERCYONE HEALTH PLAN MEDICARE ADVANTAGE | $3,036.67 | ↓ -34% |
| UNITED HEALTHCARE MEDICARE | UNITED HEALTHCARE MEDICARE ADVANTAGE | $3,098.70 | ↓ -33% |
| AETNA MEDICARE ADVANTAGE | AETNA MEDICARE ADVANTAGE | $3,361.80 | ↓ -27% |
| AMISH HOSPITAL AID | AMISH HOSPITAL AID | $3,887.99 | ↓ -16% |
| CENTIVO | CENTIVO | $4,384.95 | ↓ -5% |
| AMBETTER | AMBETTER MARKETPLACE | $4,911.14 | ↑ +6% |
| GEHA | UNITED HEALTHCARE | $5,062.30 | ↑ +9% |
| UNITED HEALTHCARE | UNITED HEALTHCARE | $5,062.30 | ↑ +9% |
| MEDICAL ASSOCIATES | MEDICAL ASSOCIATES | $5,247.68 | ↑ +13% |
| HEALTH CHOICES | MEDICAL ASSOCIATES | $5,247.68 | ↑ +13% |
| NOVA | CLAIMDOC | $5,875.83 | ↑ +27% |
| CLAIMDOC | CLAIMDOC | $5,875.83 | ↑ +27% |
| WEBTPA | AETNA | $6,552.47 | ↑ +41% |
| COVENTRY | AETNA | $6,552.47 | ↑ +41% |
| ALLIED BENEFIT SYSTEMS | AETNA | $6,552.47 | ↑ +41% |
| LUCENT HEALTH | AETNA | $6,552.47 | ↑ +41% |
| LUMINARE HEALTH | AETNA | $6,552.47 | ↑ +41% |
| ASR HEALTH BENEFITS | AETNA | $6,552.47 | ↑ +41% |
| CHRISTIAN BROTHER SERVICES | AETNA | $6,552.47 | ↑ +41% |
| FIRST HEALTH | AETNA | $6,552.47 | ↑ +41% |
| 1199 NATIONAL BENEFIT FUND | AETNA | $6,552.47 | ↑ +41% |
| AETNA | AETNA | $6,552.47 | ↑ +41% |
| MERITAIN | AETNA | $6,552.47 | ↑ +41% |
| MEDICAL MUTUAL | AETNA | $6,552.47 | ↑ +41% |
| TRUSTMARK SMALL BUSINESS BENEFITS | AETNA | $6,552.47 | ↑ +41% |
| AETNA DOMESTIC | AETNA | $6,552.47 | ↑ +41% |
| AETNA EAP | AETNA | $6,552.47 | ↑ +41% |
| HEALTH PARTNERS | HEALTH PARTNERS | $6,859.06 | ↑ +48% |
| MULTIPLAN | MULTIPLAN | $6,916.10 | ↑ +49% |
| MIDLANDS CHOICE | MIDLANDS CHOICE | $6,987.40 | ↑ +51% |
| MEDICA | MIDLANDS CHOICE | $6,987.40 | ↑ +51% |
| CIGNA | MIDLANDS CHOICE | $6,987.40 | ↑ +51% |
| CIGNA EAP | MIDLANDS CHOICE | $6,987.40 | ↑ +51% |
| MIDLANDS | MIDLANDS CHOICE | $6,987.40 | ↑ +51% |
| AUXIANT | MIDLANDS CHOICE | $6,987.40 | ↑ +51% |
| CRIME VICTIM ASSISTANCE | CRIME VICTIMS | $7,130.00 | ↑ +54% |
| IOWA DEPT OF PUBLIC HEALTH | CARE FOR YOURSELF | $7,130.00 | ↑ +54% |
Visitor-reported prices
Comments
Upper Back (Thoracic Spine) MRI (with and without contrast) at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $5,086.24 | $100.51 – $1,869.19 |
| UnityPoint Health - Allen Hospital | Waterloo | $2,532.20 | $100.51 – $1,668.08 |
| MercyOne New Hampton Medical Center | New Hampton | $4,634.50 | $2,822.77 – $7,130.00 |
| MercyOne Clinton Medical Center | Clinton | $3,595.15 | $321.26 – $5,531.00 |
| MercyOne Des Moines Medical Center | Des Moines | $4,310.80 | $329.29 – $6,632.00 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $2,162.40 | $341.85 – $478.59 |
| MercyOne Dubuque Medical Center | Dubuque | $4,609.15 | $312.99 – $7,091.00 |
| MercyOne Cedar Falls Medical Center | Cedar Falls | $6,139.25 | $328.68 – $9,445.00 |