healthcosts.net

Exc face tum deep 2cm/> 21014 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

$61,598.43

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.

not published by hospital

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.

$366.82 with IOWA DEPT OF PUBLIC HEALTH vs $7,565.77 with NOVA — 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
IOWA DEPT OF PUBLIC HEALTH CARE FOR YOURSELF $366.82 ↓ -99%
AETNA DOMESTIC AETNA $3,576.15 ↓ -94%
AETNA AETNA $3,576.15 ↓ -94%
AETNA EAP AETNA $3,576.15 ↓ -94%
ALLIED BENEFIT SYSTEMS AETNA $3,576.15 ↓ -94%
ASR HEALTH BENEFITS AETNA $3,576.15 ↓ -94%
WEBTPA AETNA $3,576.15 ↓ -94%
CHRISTIAN BROTHER SERVICES AETNA $3,576.15 ↓ -94%
COVENTRY AETNA $3,576.15 ↓ -94%
FIRST HEALTH AETNA $3,576.15 ↓ -94%
LUCENT HEALTH AETNA $3,576.15 ↓ -94%
LUMINARE HEALTH AETNA $3,576.15 ↓ -94%
MEDICAL MUTUAL AETNA $3,576.15 ↓ -94%
MERITAIN AETNA $3,576.15 ↓ -94%
AETNA MEDICARE ADVANTAGE AETNA MEDICARE ADVANTAGE $3,688.78 ↓ -94%
MEDICARE MEDICAL ASSOCIATES HEALTH PLANS MEDICAL ASSOCIATES MEDICARE ADVANTAGE $3,688.78 ↓ -94%
MEDIGOLD MEDICARE ADVANTAGE MERCYONE HEALTH PLAN MEDICARE ADVANTAGE $3,688.78 ↓ -94%
BLUE CROSS - IA (WELLMARK) MEDICARE ADVANTAGE WELLMARK MEDICARE ADVANTAGE $3,725.67 ↓ -94%
IOWA TOTAL CARE IOWA TOTAL CARE MEDICAID $3,751.07 ↓ -94%
UNITED HEALTHCARE MEDICARE UNITED HEALTHCARE MEDICARE ADVANTAGE $3,762.56 ↓ -94%
MOLINA MEDICAID MOLINA MEDICAID $3,787.84 ↓ -94%
HEALTH PARTNERS MEDICARE ADVANTAGE UNITYPOINT HEALTH PARTNERS MEDICARE ADV $3,801.71 ↓ -94%
WELLPOINT MEDICAID WELLPOINT MEDICAID $3,802.55 ↓ -94%
WELLPOINT MEDICARE ADVANTAGE WELLPOINT MEDICARE ADVANTAGE $3,839.35 ↓ -94%
BLUE CROSS - IN (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - KS WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - KY (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - LA WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - MA WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - MD (CAREFIRST) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - ME (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - MI WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - MN WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - MO (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - MS WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - MT WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - NC WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - ND WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - NE WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - NH (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - NJ (HORIZON) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - NM WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - NV (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - NY (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - NY (EXCELLUS) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - OH (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - OK WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - OR (REGENCE) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - PA (CAPITAL) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - PA (INDEPENDENCE) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - RI WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - SC WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - SD (WELLMARK) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - TN WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - TX WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - VA (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - VA (CAREFIRST) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - VT WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - WA (PREMERA) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - WI (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - WV (HIGHMARK) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - WY WELLMARK PPO $4,000.24 ↓ -94%
BLUE DISTINCTION TRANSPLANT WELLMARK PPO $4,000.24 ↓ -94%
BLUE SHIELD - CA WELLMARK PPO $4,000.24 ↓ -94%
BLUE SHIELD - ID (REGENCE) WELLMARK PPO $4,000.24 ↓ -94%
BLUE SHIELD - NY HIGHMARK NORTHEASTERN WELLMARK PPO $4,000.24 ↓ -94%
BLUE SHIELD - NY HIGHMARK WESTERN WELLMARK PPO $4,000.24 ↓ -94%
BLUE SHIELD - PA (HIGHMARK) WELLMARK PPO $4,000.24 ↓ -94%
BLUE SHIELD - WA (REGENCE) WELLMARK PPO $4,000.24 ↓ -94%
KAISER DOMESTIC WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - UT (REGENCE) WELLMARK PPO $4,000.24 ↓ -94%
BCBS GENERIC WELLMARK PPO $4,000.24 ↓ -94%
BCN DOMESTIC WELLMARK PPO $4,000.24 ↓ -94%
BLUE BENEFIT ADMINISTRATORS OF MASSACHUSETTS WELLMARK PPO $4,000.24 ↓ -94%
BLUE CARE NETWORK WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - AK (PREMERA) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - AL WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - AR WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - AZ WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - CA (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - CO (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - CT (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - DC (CAREFIRST) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - DE (HIGHMARK) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS DOMESTIC WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - FEDERAL WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - FL WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - GA (ANTHEM) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - HI WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - IA (WELLMARK) WELLMARK HMO $4,000.24 ↓ -94%
BLUE CROSS - IA (WELLMARK) WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - ID WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - IL WELLMARK PPO $4,000.24 ↓ -94%
BLUE CROSS - IL ALTERNATE WELLMARK PPO $4,000.24 ↓ -94%
PRE-EMPLOYMENT WELLMARK PPO $4,000.24 ↓ -94%
WC DOMESTIC WELLMARK PPO $4,000.24 ↓ -94%
AMISH HOSPITAL AID AMISH HOSPITAL AID $5,006.21 ↓ -92%
OSCAR OSCAR $5,776.71 ↓ -91%
CENTIVO CENTIVO $6,248.35 ↓ -90%
AMBETTER AMBETTER MARKETPLACE $6,323.63 ↓ -90%
CLAIMDOC CLAIMDOC $7,565.77 ↓ -88%
NOVA CLAIMDOC $7,565.77 ↓ -88%

Visitor-reported prices

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Exc face tum deep 2cm/> 21014 at other Iowa hospitals

Hospital City Cash price Negotiated range
UnityPoint Health - Allen Hospital Waterloo $1,283.20 $469.57 – $2,372.28
MercyOne Genesis Davenport West Medical Center Davenport $960.60 not published
MercyOne Des Moines Medical Center Des Moines $1,801.00 $22.56 – $189.76
MercyOne Newton Medical Center Newton $1,801.00 $22.56 – $189.76
MercyOne Genesis Davenport Medical Center Davenport $4,315.80 $2,739.61 – $3,835.46
MercyOne Genesis DeWitt Medical Center DeWitt $1,008.60 $928.00 – $2,679.00
UnityPoint Health - Finley Hospital Dubuque $1,283.20 $469.57 – $2,516.40
UnityPoint Health - Grinnell Regional Medical Center Grinnell $1,283.20 $469.57 – $2,847.64

All Iowa hospitals for this procedure →