Allograft membrn amnio 1x2cm hu ambriodry at MercyOne Waterloo Medical Center

3421 W. 9th St, Waterloo, IA · MercyOne · · NPI 1700827896

Source: hospital's published price file ↗ · Published Mar 31, 2026 · Ingested Aug 3, 2026

$5,609.82

Cash price

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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.

Full explanation →

What you pay up front if you don't use insurance.

$8,630.50

Gross charge

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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.

Full explanation →

The hospital's undiscounted list price — almost no one pays this.

$154.55 with AETNA MEDICARE ADVANTAGE vs $772.75 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 →

Payer
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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
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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 AETNA MEDICARE ADVANTAGE $154.55 ↓ -97%
IOWA TOTAL CARE IOWA TOTAL CARE MEDICAID $157.64 ↓ -97%
MOLINA MEDICAID MOLINA MEDICAID $159.19 ↓ -97%
WELLPOINT MEDICAID WELLPOINT MEDICAID $159.80 ↓ -97%
MEDICAL ASSOCIATES MEDICAL ASSOCIATES $181.60 ↓ -97%
HEALTH CHOICES MEDICAL ASSOCIATES $181.60 ↓ -97%
OSCAR OSCAR $239.55 ↓ -96%
CENTIVO CENTIVO $264.28 ↓ -95%
GEHA UNITED HEALTHCARE $386.38 ↓ -93%
UNITED HEALTHCARE UNITED HEALTHCARE $386.38 ↓ -93%
NOVA CLAIMDOC $463.65 ↓ -92%
CLAIMDOC CLAIMDOC $463.65 ↓ -92%
HEALTH PARTNERS HEALTH PARTNERS $506.92 ↓ -91%
CIGNA EAP MIDLANDS CHOICE PPO $548.65 ↓ -90%
MEDICA MIDLANDS CHOICE PPO $548.65 ↓ -90%
CIGNA MIDLANDS CHOICE PPO $548.65 ↓ -90%
AUXIANT MIDLANDS CHOICE PPO $548.65 ↓ -90%
MIDLANDS MIDLANDS CHOICE PPO $548.65 ↓ -90%
MIDLANDS CHOICE MIDLANDS CHOICE PPO $548.65 ↓ -90%
AETNA EAP AETNA $690.07 ↓ -88%
LUCENT HEALTH AETNA $690.07 ↓ -88%
AETNA AETNA $690.07 ↓ -88%
ASR HEALTH BENEFITS AETNA $690.07 ↓ -88%
FIRST HEALTH AETNA $690.07 ↓ -88%
AETNA DOMESTIC AETNA $690.07 ↓ -88%
LUMINARE HEALTH AETNA $690.07 ↓ -88%
COVENTRY AETNA $690.07 ↓ -88%
ALLIED BENEFIT SYSTEMS AETNA $690.07 ↓ -88%
MERITAIN AETNA $690.07 ↓ -88%
WEBTPA AETNA $690.07 ↓ -88%
MEDICAL MUTUAL AETNA $690.07 ↓ -88%
CHRISTIAN BROTHER SERVICES AETNA $690.07 ↓ -88%
UNITED HEALTHCARE UNITED HEALTHCARE DEERE PREMIER $718.66 ↓ -87%
IOWA DEPT OF PUBLIC HEALTH CARE FOR YOURSELF $772.75 ↓ -86%
UNITED HEALTHCARE UHC OPTUM BEHAVIORAL HEALTH $772.75 ↓ -86%

Visitor-reported prices

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Allograft membrn amnio 1x2cm hu ambriodry at other Iowa hospitals

Hospital City Cash price Negotiated range
UnityPoint Health - Allen Hospital Waterloo $1,658.26 $769.02 – $1,341.11
MercyOne Dubuque Medical Center Dubuque $5,609.82 $149.76 – $772.75
MercyOne New Hampton Medical Center New Hampton $5,330.00 $381.05 – $962.50
MercyOne Dyersville Medical Center Dyersville $5,609.82 $292.10 – $869.81
MercyOne Clinton Medical Center Clinton $5,609.82 $149.76 – $772.75
MercyOne Oelwein Medical Center Oelwein $5,609.82 $295.35 – $772.75
MercyOne Cedar Falls Medical Center Cedar Falls $5,609.82 $133.99 – $772.75
MercyOne Elkader Medical Center Elkader $5,609.82 $397.73 – $807.68

All Iowa hospitals for this procedure →