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Lower Back (Lumbar Spine) CT scan (without contrast) at Sanford Sheldon Medical Center
118 N 7th Ave, Sheldon, IA · Sanford Health · · NPI 1841200623
$2,508.00
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.
$3,135.00
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.
$893.48 with Sanford Health Plan Align vs $2,821.50 with Multiplan — 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 |
|---|---|---|---|
| Sanford Health Plan Align | Medicare Replacement | $893.48 | ↓ -64% |
| Ucare | Medicare Replacement | $959.31 | ↓ -62% |
| Aetna | Medicare Replacement | $968.72 | ↓ -61% |
| Blue Cross Blue Shield of North Dakota | Medicare Replacement | $968.72 | ↓ -61% |
| Great Plains Medicare Advantage | Medicare Replacement | $968.72 | ↓ -61% |
| Health Partners | Medicare Replacement | $968.72 | ↓ -61% |
| United Healthcare | Medicare Replacement | $968.72 | ↓ -61% |
| Primewest | Medicare Replacement | $987.53 | ↓ -61% |
| Wellmark | HMO | $1,567.50 | ↓ -38% |
| Wellmark | PPO | $1,630.20 | ↓ -35% |
| Sanford Health Plan | Group Health/True | $1,679.73 | ↓ -33% |
| Sanford Health Plan | SD Exchange True | $1,679.73 | ↓ -33% |
| Security Health Plan | Commercial | $1,724.25 | ↓ -31% |
| Sanford Health Plan | Commercial/ND Pers | $1,975.99 | ↓ -21% |
| Sanford Health Plan | SD Exchange Commercial | $1,975.99 | ↓ -21% |
| Health Partners | State Employees | $2,069.10 | ↓ -18% |
| Health Partners | Commercial | $2,351.25 | ↓ -6% |
| Medica | Choice | $2,586.38 | ↑ +3% |
| United Healthcare | Commercial + Top 20 | $2,617.73 | ↑ +4% |
| Aetna | Commercial | $2,724.32 | ↑ +9% |
| Ucare | Commercial | $2,754.41 | ↑ +10% |
| Medica | Elect | $2,765.07 | ↑ +10% |
| First Choice Health Network | Commercial | $2,821.50 | ↑ +13% |
| Healthez | Commercial | $2,821.50 | ↑ +13% |
| Multiplan | Commercial | $2,821.50 | ↑ +13% |
Visitor-reported prices
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Lower Back (Lumbar Spine) CT scan (without contrast) at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $2,427.55 | $43.57 – $892.12 |
| UnityPoint Health - Allen Hospital | Waterloo | $841.89 | $43.57 – $554.59 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $1,258.80 | $101.79 – $142.51 |
| MercyOne Dubuque Medical Center | Dubuque | $1,507.35 | $93.79 – $2,319.00 |
| MercyOne New Hampton Medical Center | New Hampton | $1,517.10 | $924.03 – $2,334.00 |
| MercyOne Clinton Medical Center | Clinton | $2,057.25 | $96.27 – $3,165.00 |
| MercyOne Dyersville Medical Center | Dyersville | $1,517.10 | $882.25 – $2,627.15 |
| MercyOne Oelwein Medical Center | Oelwein | $1,517.10 | $892.05 – $2,334.00 |