healthcosts.net
Optx ulnar styloid fracture at UnityPoint Health - St. Lukes Downtown
2720 Stone Park Blvd, Sioux City, IA · UnityPoint Health · · NPI 1962594622
$3,060.80
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.
$3,826.00
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.
$497.38 with Nebraska Total Care vs $6,326.64 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 |
|---|---|---|---|
| Nebraska Total Care | Managed Medicaid | $497.38 | ↓ -84% |
| Aetna | Medicare Advantage | $569.35 | ↓ -81% |
| Molina | Medicare Advantage | $580.74 | ↓ -81% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $580.74 | ↓ -81% |
| Humana | Medicare Advantage | $597.82 | ↓ -80% |
| United Healthcare | Medicare Advantage | $597.82 | ↓ -80% |
| Amerivantage | Medicare Advantage | $597.82 | ↓ -80% |
| Avera Health Plan | Commercial | $854.03 | ↓ -72% |
| Health Partners Open Network | Commercial | $1,159.42 | ↓ -62% |
| Wellmark Blue Cross and Blue Shield | HMO | $1,237.90 | ↓ -60% |
| Wellmark UPH Self-Funded | Commercial | $1,237.90 | ↓ -60% |
| Aetna | HMO | $1,383.19 | ↓ -55% |
| Wellmark Blue Cross and Blue Shield | PPO | $1,456.40 | ↓ -52% |
| Cigna/Midlands | Commercial | $1,507.93 | ↓ -51% |
| Aetna | PPO | $1,683.39 | ↓ -45% |
| United Healthcare | PPO | $1,912.94 | ↓ -38% |
| United Healthcare | HMO | $1,912.94 | ↓ -38% |
| Amerigroup | Managed Medicaid | $6,326.64 | ↑ +107% |
| Iowa Total Care | Managed Medicaid | $6,326.64 | ↑ +107% |
| Medica Exchange Insure | Commercial | not published by hospital | — |
| Medica Exchange Inspire | Commercial | not published by hospital | — |
Visitor-reported prices
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Optx ulnar styloid fracture at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne North Iowa Medical Center | Mason City | $78,206.14 | $0.96 – $15,720.43 |
| MercyOne Waterloo Medical Center | Waterloo | $65,472.34 | $9.09 – $14,021.15 |
| UnityPoint Health - Allen Hospital | Waterloo | $3,060.80 | $569.35 – $5,921.26 |
| UnityPoint Health - Finley Hospital | Dubuque | $3,060.80 | $569.35 – $6,280.98 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $3,060.80 | $569.35 – $7,107.76 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $3,060.80 | $569.35 – $6,882.64 |
| UnityPoint Health - Jones Regional Medical Center | Anamosa | $3,060.80 | $569.35 – $1,507.93 |
| UnityPoint Health - Marshalltown | Marshalltown | $3,060.80 | $569.35 – $6,951.54 |