healthcosts.net
Ghs init tx 1st degree burn at MercyOne Waterloo Medical Center
3421 W. 9th St, Waterloo, IA · MercyOne · · NPI 1700827896
$789.75
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.
$1,215.00
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.
$285.53 with MEDICAL ASSOCIATES vs $1,215.00 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 |
|---|---|---|---|
| MEDICAL ASSOCIATES | MEDICAL ASSOCIATES | $285.53 | ↓ -64% |
| HEALTH CHOICES | MEDICAL ASSOCIATES | $285.53 | ↓ -64% |
| HEALTH PARTNERS | HEALTH PARTNERS | $797.04 | ↑ +1% |
| MEDICA | MIDLANDS CHOICE PPO | $862.65 | ↑ +9% |
| AUXIANT | MIDLANDS CHOICE PPO | $862.65 | ↑ +9% |
| CIGNA | MIDLANDS CHOICE PPO | $862.65 | ↑ +9% |
| CIGNA EAP | MIDLANDS CHOICE PPO | $862.65 | ↑ +9% |
| MIDLANDS | MIDLANDS CHOICE PPO | $862.65 | ↑ +9% |
| MIDLANDS CHOICE | MIDLANDS CHOICE PPO | $862.65 | ↑ +9% |
| UNITED HEALTHCARE | UNITED HEALTHCARE DEERE PREMIER | $1,129.95 | ↑ +43% |
| IOWA DEPT OF PUBLIC HEALTH | CARE FOR YOURSELF | $1,215.00 | ↑ +54% |
| UNITED HEALTHCARE | UHC OPTUM BEHAVIORAL HEALTH | $1,215.00 | ↑ +54% |
Visitor-reported prices
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Ghs init tx 1st degree burn at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Allen Hospital | Waterloo | $180.80 | $40.75 – $164.70 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $200.40 | $190.20 – $217.10 |
| MercyOne North Iowa Medical Center | Mason City | $168.17 | $10.79 – $151.00 |
| MercyOne Genesis Davenport Medical Center | Davenport | $242.40 | $190.20 – $250.90 |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $242.40 | $137.36 – $161.33 |
| UnityPoint Health - Finley Hospital | Dubuque | $180.80 | $40.75 – $174.71 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $384.23 | $40.75 – $197.70 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $450.68 | $40.75 – $191.44 |