Disaccharidases at MercyOne Waterloo Medical Center
3421 W. 9th St, Waterloo, IA · MercyOne · · NPI 1700827896
$478.40
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.
$736.00
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.
$21.48 with IOWA TOTAL CARE vs $736.00 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 →
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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 |
|---|---|---|---|
| IOWA TOTAL CARE | IOWA TOTAL CARE MEDICAID | $21.48 | ↓ -96% |
| MOLINA MEDICAID | MOLINA MEDICAID | $21.69 | ↓ -95% |
| MEDIGOLD MEDICARE ADVANTAGE | MERCYONE HEALTH PLAN MEDICARE ADVANTAGE | $21.73 | ↓ -95% |
| MEDICARE MEDICAL ASSOCIATES HEALTH PLANS | MEDICAL ASSOCIATES MEDICARE ADVANTAGE | $21.73 | ↓ -95% |
| AETNA MEDICARE ADVANTAGE | AETNA MEDICARE ADVANTAGE | $21.73 | ↓ -95% |
| WELLPOINT MEDICAID | WELLPOINT MEDICAID | $21.78 | ↓ -95% |
| BLUE CROSS - IA (WELLMARK) MEDICARE ADVANTAGE | WELLMARK MEDICARE ADVANTAGE | $21.94 | ↓ -95% |
| UNITED HEALTHCARE MEDICARE | UNITED HEALTHCARE MEDICARE ADVANTAGE | $22.16 | ↓ -95% |
| GEHA | UNITED HEALTHCARE | $22.17 | ↓ -95% |
| UNITED HEALTHCARE | UNITED HEALTHCARE | $22.17 | ↓ -95% |
| HEALTH PARTNERS MEDICARE ADVANTAGE | UNITYPOINT HEALTH PARTNERS MEDICARE ADV | $22.39 | ↓ -95% |
| WELLPOINT MEDICARE ADVANTAGE | WELLPOINT MEDICARE ADVANTAGE | $22.61 | ↓ -95% |
| AMISH HOSPITAL AID | AMISH HOSPITAL AID | $29.49 | ↓ -94% |
| OSCAR | OSCAR | $34.02 | ↓ -93% |
| CENTIVO | CENTIVO | $36.80 | ↓ -92% |
| AMBETTER | AMBETTER MARKETPLACE | $37.25 | ↓ -92% |
| NOVA | CLAIMDOC | $44.56 | ↓ -91% |
| CLAIMDOC | CLAIMDOC | $44.56 | ↓ -91% |
| COVENTRY | AETNA | $60.33 | ↓ -87% |
| LUMINARE HEALTH | AETNA | $60.33 | ↓ -87% |
| CHRISTIAN BROTHER SERVICES | AETNA | $60.33 | ↓ -87% |
| LUCENT HEALTH | AETNA | $60.33 | ↓ -87% |
| AETNA | AETNA | $60.33 | ↓ -87% |
| ASR HEALTH BENEFITS | AETNA | $60.33 | ↓ -87% |
| FIRST HEALTH | AETNA | $60.33 | ↓ -87% |
| AETNA DOMESTIC | AETNA | $60.33 | ↓ -87% |
| ALLIED BENEFIT SYSTEMS | AETNA | $60.33 | ↓ -87% |
| MERITAIN | AETNA | $60.33 | ↓ -87% |
| WEBTPA | AETNA | $60.33 | ↓ -87% |
| MEDICAL MUTUAL | AETNA | $60.33 | ↓ -87% |
| AETNA EAP | AETNA | $60.33 | ↓ -87% |
| MEDICAL ASSOCIATES | MEDICAL ASSOCIATES | $172.96 | ↓ -64% |
| HEALTH CHOICES | MEDICAL ASSOCIATES | $172.96 | ↓ -64% |
| HEALTH PARTNERS | HEALTH PARTNERS | $482.82 | ↑ +1% |
| MEDICA | MIDLANDS CHOICE PPO | $522.56 | ↑ +9% |
| CIGNA | MIDLANDS CHOICE PPO | $522.56 | ↑ +9% |
| CIGNA EAP | MIDLANDS CHOICE PPO | $522.56 | ↑ +9% |
| MIDLANDS | MIDLANDS CHOICE PPO | $522.56 | ↑ +9% |
| AUXIANT | MIDLANDS CHOICE PPO | $522.56 | ↑ +9% |
| MIDLANDS CHOICE | MIDLANDS CHOICE PPO | $522.56 | ↑ +9% |
| UNITED HEALTHCARE | UNITED HEALTHCARE DEERE PREMIER | $684.48 | ↑ +43% |
| IOWA DEPT OF PUBLIC HEALTH | CARE FOR YOURSELF | $736.00 | ↑ +54% |
| UNITED HEALTHCARE | UHC OPTUM BEHAVIORAL HEALTH | $736.00 | ↑ +54% |
Visitor-reported prices
Comments
Disaccharidases at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Allen Hospital | Waterloo | $64.28 | $13.30 – $42.34 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $616.80 | $22.17 – $22.17 |
| MercyOne Dubuque Medical Center | Dubuque | $526.50 | $21.48 – $810.00 |
| MercyOne Des Moines Medical Center | Des Moines | $526.50 | $21.48 – $810.00 |
| MercyOne North Iowa Medical Center | Mason City | $526.50 | $21.48 – $810.00 |
| MercyOne Genesis Davenport Medical Center | Davenport | $648.00 | not published |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $174.00 | $35.36 – $75.92 |
| UnityPoint Health - Finley Hospital | Dubuque | $64.28 | $3.50 – $64.28 |