healthcosts.net
Fragmenting of kidney stone at UnityPoint Health - St. Lukes Downtown
2720 Stone Park Blvd, Sioux City, IA · UnityPoint Health · · NPI 1962594622
$3,678.40
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.
$4,598.00
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.
$519.67 with Aetna vs $3,054.48 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 |
|---|---|---|---|
| Aetna | Medicare Advantage | $519.67 | ↓ -86% |
| Molina | Medicare Advantage | $530.06 | ↓ -86% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $530.06 | ↓ -86% |
| Humana | Medicare Advantage | $545.65 | ↓ -85% |
| Amerivantage | Medicare Advantage | $545.65 | ↓ -85% |
| United Healthcare | Medicare Advantage | $545.65 | ↓ -85% |
| Nebraska Total Care | Managed Medicaid | $597.74 | ↓ -84% |
| Avera Health Plan | Commercial | $779.51 | ↓ -79% |
| Health Partners Open Network | Commercial | $1,063.30 | ↓ -71% |
| Wellmark Blue Cross and Blue Shield | HMO | $1,107.00 | ↓ -70% |
| Wellmark UPH Self-Funded | Commercial | $1,107.00 | ↓ -70% |
| Aetna | HMO | $1,257.20 | ↓ -66% |
| Wellmark Blue Cross and Blue Shield | PPO | $1,302.40 | ↓ -65% |
| Cigna/Midlands | Commercial | $1,384.55 | ↓ -62% |
| Aetna | PPO | $1,530.58 | ↓ -58% |
| United Healthcare | PPO | $1,792.27 | ↓ -51% |
| United Healthcare | HMO | $1,792.27 | ↓ -51% |
| Amerigroup | Managed Medicaid | $3,054.48 | ↓ -17% |
| Iowa Total Care | Managed Medicaid | $3,054.48 | ↓ -17% |
| Medica Exchange Insure | Commercial | not published by hospital | — |
| Medica Exchange Inspire | Commercial | not published by hospital | — |
Visitor-reported prices
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Fragmenting of kidney stone at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $8,122.80 | $3,301.42 – $4,621.99 |
| MercyOne Clinton Medical Center | Clinton | $12,172.06 | $2.88 – $7,543.30 |
| MercyOne West Des Moines Medical Center | West Des Moines | $20,727.07 | $0.96 – $6,843.44 |
| MercyOne Centerville Medical Center | Centerville | $32,913.00 | $0.36 – $21,942.00 |
| MercyOne Genesis Davenport Medical Center | Davenport | $9,382.20 | $3,301.42 – $4,621.99 |
| UnityPoint Health - Allen Hospital | Waterloo | $3,678.40 | $519.67 – $2,858.76 |
| UnityPoint Health - Finley Hospital | Dubuque | $3,678.40 | $519.67 – $3,032.43 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $3,678.40 | $519.67 – $3,431.60 |