In situ hybridization per specimen initial single probe stain 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

$467.35

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.

$719.00

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.

$156.19 with IOWA DEPT OF PUBLIC HEALTH vs $719.00 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 →

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 $156.19 ↓ -67%
GEHA UNITED HEALTHCARE $157.25 ↓ -66%
UNITED HEALTHCARE UNITED HEALTHCARE $157.25 ↓ -66%
MEDIGOLD MEDICARE ADVANTAGE MERCYONE HEALTH PLAN MEDICARE ADVANTAGE $160.51 ↓ -66%
AETNA MEDICARE ADVANTAGE AETNA MEDICARE ADVANTAGE $160.51 ↓ -66%
MEDICARE MEDICAL ASSOCIATES HEALTH PLANS MEDICAL ASSOCIATES MEDICARE ADVANTAGE $160.51 ↓ -66%
BLUE CROSS - IA (WELLMARK) MEDICARE ADVANTAGE WELLMARK MEDICARE ADVANTAGE $162.11 ↓ -65%
IOWA TOTAL CARE IOWA TOTAL CARE MEDICAID $163.22 ↓ -65%
UNITED HEALTHCARE MEDICARE UNITED HEALTHCARE MEDICARE ADVANTAGE $163.72 ↓ -65%
MOLINA MEDICAID MOLINA MEDICAID $164.82 ↓ -65%
HEALTH PARTNERS MEDICARE ADVANTAGE UNITYPOINT HEALTH PARTNERS MEDICARE ADV $165.42 ↓ -65%
WELLPOINT MEDICAID WELLPOINT MEDICAID $165.46 ↓ -65%
WELLPOINT MEDICARE ADVANTAGE WELLPOINT MEDICARE ADVANTAGE $167.06 ↓ -64%
HEALTH CHOICES MEDICAL ASSOCIATES $168.97 ↓ -64%
MEDICAL ASSOCIATES MEDICAL ASSOCIATES $168.97 ↓ -64%
BLUE CROSS - FL WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - PA (INDEPENDENCE) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - WY WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - KY (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - DE (HIGHMARK) WELLMARK PPO $174.06 ↓ -63%
BLUE SHIELD - ID (REGENCE) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - ND WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - KS WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - MO (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - AL WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - WA (PREMERA) WELLMARK PPO $174.06 ↓ -63%
BLUE SHIELD - NY HIGHMARK WESTERN WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - NY (EXCELLUS) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - IN (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE BENEFIT ADMINISTRATORS OF MASSACHUSETTS WELLMARK PPO $174.06 ↓ -63%
BLUE SHIELD - PA (HIGHMARK) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - AR WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - NM WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - ID WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - VT WELLMARK PPO $174.06 ↓ -63%
KAISER DOMESTIC WELLMARK PPO $174.06 ↓ -63%
BLUE SHIELD - WA (REGENCE) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - IL WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - VA (CAREFIRST) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - MD (CAREFIRST) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - ME (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
WC DOMESTIC WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - MN WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - NE WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - OH (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - RI WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - TN WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - FEDERAL WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - NC WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - IL ALTERNATE WELLMARK PPO $174.06 ↓ -63%
BLUE CARE NETWORK WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - AZ WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - HI WELLMARK PPO $174.06 ↓ -63%
BLUE SHIELD - NY HIGHMARK NORTHEASTERN WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - GA (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - VA (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - UT (REGENCE) WELLMARK PPO $174.06 ↓ -63%
BLUE SHIELD - CA WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - IA (WELLMARK) WELLMARK HMO $174.06 ↓ -63%
BLUE CROSS - IA (WELLMARK) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - CA (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - AK (PREMERA) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - WV (HIGHMARK) WELLMARK PPO $174.06 ↓ -63%
BLUE DISTINCTION TRANSPLANT WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - DC (CAREFIRST) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - MA WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - WI (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - NH (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - CO (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - SD (WELLMARK) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - OR (REGENCE) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - NJ (HORIZON) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - PA (CAPITAL) WELLMARK PPO $174.06 ↓ -63%
BCN DOMESTIC WELLMARK PPO $174.06 ↓ -63%
BCBS GENERIC WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - NV (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - OK WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS DOMESTIC WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - NY (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - CT (ANTHEM) WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - MS WELLMARK PPO $174.06 ↓ -63%
PRE-EMPLOYMENT WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - LA WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - TX WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - SC WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - MI WELLMARK PPO $174.06 ↓ -63%
BLUE CROSS - MT WELLMARK PPO $174.06 ↓ -63%
AMISH HOSPITAL AID AMISH HOSPITAL AID $217.83 ↓ -53%
OSCAR OSCAR $251.36 ↓ -46%
CENTIVO CENTIVO $271.88 ↓ -42%
AMBETTER AMBETTER MARKETPLACE $275.16 ↓ -41%
NOVA CLAIMDOC $329.20 ↓ -30%
CLAIMDOC CLAIMDOC $329.20 ↓ -30%
CHRISTIAN BROTHER SERVICES AETNA $457.48 ↓ -2%
LUCENT HEALTH AETNA $457.48 ↓ -2%
AETNA EAP AETNA $457.48 ↓ -2%
WEBTPA AETNA $457.48 ↓ -2%
LUMINARE HEALTH AETNA $457.48 ↓ -2%
AETNA AETNA $457.48 ↓ -2%
MERITAIN AETNA $457.48 ↓ -2%
ASR HEALTH BENEFITS AETNA $457.48 ↓ -2%
FIRST HEALTH AETNA $457.48 ↓ -2%
AETNA DOMESTIC AETNA $457.48 ↓ -2%
COVENTRY AETNA $457.48 ↓ -2%
ALLIED BENEFIT SYSTEMS AETNA $457.48 ↓ -2%
MEDICAL MUTUAL AETNA $457.48 ↓ -2%
HEALTH PARTNERS HEALTH PARTNERS $471.66 ↑ +1%
CIGNA MIDLANDS CHOICE PPO $510.49 ↑ +9%
MIDLANDS CHOICE MIDLANDS CHOICE PPO $510.49 ↑ +9%
CIGNA EAP MIDLANDS CHOICE PPO $510.49 ↑ +9%
MEDICA MIDLANDS CHOICE PPO $510.49 ↑ +9%
MIDLANDS MIDLANDS CHOICE PPO $510.49 ↑ +9%
AUXIANT MIDLANDS CHOICE PPO $510.49 ↑ +9%
UNITED HEALTHCARE UNITED HEALTHCARE DEERE PREMIER $668.67 ↑ +43%
UNITED HEALTHCARE UHC OPTUM BEHAVIORAL HEALTH $719.00 ↑ +54%

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In situ hybridization per specimen initial single probe stain at other Iowa hospitals

Hospital City Cash price Negotiated range
UnityPoint Health - Allen Hospital Waterloo $471.20 $38.95 – $192.44
MercyOne Genesis Davenport West Medical Center Davenport $472.80 $164.03 – $229.64
MercyOne Dyersville Medical Center Dyersville $280.15 $156.19 – $485.13
MercyOne Clinton Medical Center Clinton $204.10 $88.86 – $364.58
MercyOne Cedar Falls Medical Center Cedar Falls $209.30 $75.67 – $457.48
MercyOne Elkader Medical Center Elkader $280.15 $156.19 – $450.48
MercyOne West Des Moines Medical Center West Des Moines $335.00 $67.34 – $335.00
MercyOne Centerville Medical Center Centerville $431.00 $117.24 – $431.00

All Iowa hospitals for this procedure →