Breast punct aspir cyst, bil at MercyOne Waterloo Medical Center
3421 W. 9th St, Waterloo, IA · MercyOne · · NPI 1700827896
$1,212.90
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.
?
What you pay up front if you don't use insurance.
$1,866.00
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.
?
The hospital's undiscounted list price — almost no one pays this.
$38.10 with IOWA DEPT OF PUBLIC HEALTH vs $3,576.15 with AETNA DOMESTIC — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 |
|---|---|---|---|
| IOWA DEPT OF PUBLIC HEALTH | CARE FOR YOURSELF | $38.10 | ↓ -97% |
| MEDICAL ASSOCIATES | MEDICAL ASSOCIATES | $438.51 | ↓ -64% |
| HEALTH CHOICES | MEDICAL ASSOCIATES | $438.51 | ↓ -64% |
| AETNA MEDICARE ADVANTAGE | AETNA MEDICARE ADVANTAGE | $667.14 | ↓ -45% |
| MEDIGOLD MEDICARE ADVANTAGE | MERCYONE HEALTH PLAN MEDICARE ADVANTAGE | $667.14 | ↓ -45% |
| MEDICARE MEDICAL ASSOCIATES HEALTH PLANS | MEDICAL ASSOCIATES MEDICARE ADVANTAGE | $667.14 | ↓ -45% |
| BLUE CROSS - IA (WELLMARK) MEDICARE ADVANTAGE | WELLMARK MEDICARE ADVANTAGE | $673.81 | ↓ -44% |
| IOWA TOTAL CARE | IOWA TOTAL CARE MEDICAID | $678.40 | ↓ -44% |
| UNITED HEALTHCARE MEDICARE | UNITED HEALTHCARE MEDICARE ADVANTAGE | $680.48 | ↓ -44% |
| MOLINA MEDICAID | MOLINA MEDICAID | $685.05 | ↓ -44% |
| HEALTH PARTNERS MEDICARE ADVANTAGE | UNITYPOINT HEALTH PARTNERS MEDICARE ADV | $687.56 | ↓ -43% |
| WELLPOINT MEDICAID | WELLPOINT MEDICAID | $687.71 | ↓ -43% |
| WELLPOINT MEDICARE ADVANTAGE | WELLPOINT MEDICARE ADVANTAGE | $694.37 | ↓ -43% |
| BLUE CROSS - NE | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - OH (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - FL | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - PA (INDEPENDENCE) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - WY | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - KY (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - DE (HIGHMARK) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE SHIELD - ID (REGENCE) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - ND | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - KS | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - MO (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - AL | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - WA (PREMERA) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE SHIELD - NY HIGHMARK WESTERN | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - NY (EXCELLUS) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - IN (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE BENEFIT ADMINISTRATORS OF MASSACHUSETTS | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE SHIELD - PA (HIGHMARK) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - AR | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - NM | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - ID | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - VT | WELLMARK PPO | $723.47 | ↓ -40% |
| KAISER DOMESTIC | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE SHIELD - WA (REGENCE) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - IL | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - VA (CAREFIRST) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - MD (CAREFIRST) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - ME (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| WC DOMESTIC | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - MN | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - RI | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - TN | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - FEDERAL | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - NC | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - IL ALTERNATE | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CARE NETWORK | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - AZ | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - HI | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE SHIELD - NY HIGHMARK NORTHEASTERN | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - GA (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - VA (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - UT (REGENCE) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE SHIELD - CA | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - IA (WELLMARK) | WELLMARK HMO | $723.47 | ↓ -40% |
| BLUE CROSS - IA (WELLMARK) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - CA (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - AK (PREMERA) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - WV (HIGHMARK) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE DISTINCTION TRANSPLANT | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - DC (CAREFIRST) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - MA | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - WI (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - NH (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - CO (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - SD (WELLMARK) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - OR (REGENCE) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - NJ (HORIZON) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - PA (CAPITAL) | WELLMARK PPO | $723.47 | ↓ -40% |
| BCN DOMESTIC | WELLMARK PPO | $723.47 | ↓ -40% |
| BCBS GENERIC | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - NV (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - OK | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS DOMESTIC | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - NY (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - CT (ANTHEM) | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - MS | WELLMARK PPO | $723.47 | ↓ -40% |
| PRE-EMPLOYMENT | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - LA | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - TX | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - SC | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - MI | WELLMARK PPO | $723.47 | ↓ -40% |
| BLUE CROSS - MT | WELLMARK PPO | $723.47 | ↓ -40% |
| AMISH HOSPITAL AID | AMISH HOSPITAL AID | $905.41 | ↓ -25% |
| OSCAR | OSCAR | $1,044.76 | ↓ -14% |
| CENTIVO | CENTIVO | $1,130.06 | ↓ -7% |
| AMBETTER | AMBETTER MARKETPLACE | $1,143.67 | ↓ -6% |
| HEALTH PARTNERS | HEALTH PARTNERS | $1,224.10 | ↑ +1% |
| CIGNA | MIDLANDS CHOICE PPO | $1,324.86 | ↑ +9% |
| CIGNA EAP | MIDLANDS CHOICE PPO | $1,324.86 | ↑ +9% |
| MIDLANDS | MIDLANDS CHOICE PPO | $1,324.86 | ↑ +9% |
| AUXIANT | MIDLANDS CHOICE PPO | $1,324.86 | ↑ +9% |
| MIDLANDS CHOICE | MIDLANDS CHOICE PPO | $1,324.86 | ↑ +9% |
| MEDICA | MIDLANDS CHOICE PPO | $1,324.86 | ↑ +9% |
| NOVA | CLAIMDOC | $1,368.32 | ↑ +13% |
| CLAIMDOC | CLAIMDOC | $1,368.32 | ↑ +13% |
| UNITED HEALTHCARE | UNITED HEALTHCARE DEERE PREMIER | $1,735.38 | ↑ +43% |
| UNITED HEALTHCARE | UHC OPTUM BEHAVIORAL HEALTH | $1,866.00 | ↑ +54% |
| LUMINARE HEALTH | AETNA | $3,576.15 | ↑ +195% |
| FIRST HEALTH | AETNA | $3,576.15 | ↑ +195% |
| ASR HEALTH BENEFITS | AETNA | $3,576.15 | ↑ +195% |
| AETNA | AETNA | $3,576.15 | ↑ +195% |
| AETNA EAP | AETNA | $3,576.15 | ↑ +195% |
| COVENTRY | AETNA | $3,576.15 | ↑ +195% |
| ALLIED BENEFIT SYSTEMS | AETNA | $3,576.15 | ↑ +195% |
| WEBTPA | AETNA | $3,576.15 | ↑ +195% |
| MERITAIN | AETNA | $3,576.15 | ↑ +195% |
| MEDICAL MUTUAL | AETNA | $3,576.15 | ↑ +195% |
| LUCENT HEALTH | AETNA | $3,576.15 | ↑ +195% |
| CHRISTIAN BROTHER SERVICES | AETNA | $3,576.15 | ↑ +195% |
| AETNA DOMESTIC | AETNA | $3,576.15 | ↑ +195% |
Visitor-reported prices
Comments
Breast punct aspir cyst, bil at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Allen Hospital | Waterloo | $451.76 | $38.10 – $583.19 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $714.60 | $516.10 – $673.49 |
| MercyOne Dubuque Medical Center | Dubuque | $682.50 | $38.10 – $1,414.91 |
| MercyOne West Des Moines Medical Center | West Des Moines | $795.00 | $38.10 – $1,374.78 |
| MercyOne Des Moines Medical Center | Des Moines | $516.75 | $11.05 – $795.00 |
| MercyOne North Iowa Medical Center | Mason City | $1,442.35 | $38.10 – $2,219.00 |
| MercyOne Genesis Davenport Medical Center | Davenport | $825.60 | $596.05 – $673.49 |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $825.60 | $254.77 – $296.82 |