Low cost skin substitute app at MercyOne Waterloo Medical Center
3421 W. 9th St, Waterloo, IA · MercyOne · · NPI 1700827896
$3,321.50
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.
$5,110.00
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.
$755.08 with BLUE CROSS - IA (WELLMARK) vs $5,110.00 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 |
|---|---|---|---|
| BLUE CROSS - IA (WELLMARK) | WELLMARK HMO | $755.08 | ↓ -77% |
| AMISH HOSPITAL AID | AMISH HOSPITAL AID | $944.97 | ↓ -72% |
| AETNA MEDICARE ADVANTAGE | AETNA MEDICARE ADVANTAGE | $1,022.00 | ↓ -69% |
| IOWA TOTAL CARE | IOWA TOTAL CARE MEDICAID | $1,042.44 | ↓ -69% |
| MOLINA MEDICAID | MOLINA MEDICAID | $1,052.66 | ↓ -68% |
| WELLPOINT MEDICAID | WELLPOINT MEDICAID | $1,056.75 | ↓ -68% |
| OSCAR | OSCAR | $1,090.40 | ↓ -67% |
| CENTIVO | CENTIVO | $1,179.43 | ↓ -64% |
| AMBETTER | AMBETTER MARKETPLACE | $1,193.64 | ↓ -64% |
| MEDICAL ASSOCIATES | MEDICAL ASSOCIATES | $1,200.85 | ↓ -64% |
| HEALTH CHOICES | MEDICAL ASSOCIATES | $1,200.85 | ↓ -64% |
| CLAIMDOC | CLAIMDOC | $1,428.11 | ↓ -57% |
| NOVA | CLAIMDOC | $1,428.11 | ↓ -57% |
| HEALTH PARTNERS | HEALTH PARTNERS | $3,352.16 | ↑ +1% |
| MEDICA | MIDLANDS CHOICE PPO | $3,628.10 | ↑ +9% |
| CIGNA EAP | MIDLANDS CHOICE PPO | $3,628.10 | ↑ +9% |
| CIGNA | MIDLANDS CHOICE PPO | $3,628.10 | ↑ +9% |
| MIDLANDS CHOICE | MIDLANDS CHOICE PPO | $3,628.10 | ↑ +9% |
| AUXIANT | MIDLANDS CHOICE PPO | $3,628.10 | ↑ +9% |
| MIDLANDS | MIDLANDS CHOICE PPO | $3,628.10 | ↑ +9% |
| AETNA EAP | AETNA | $4,235.59 | ↑ +28% |
| LUMINARE HEALTH | AETNA | $4,235.59 | ↑ +28% |
| CHRISTIAN BROTHER SERVICES | AETNA | $4,235.59 | ↑ +28% |
| LUCENT HEALTH | AETNA | $4,235.59 | ↑ +28% |
| AETNA | AETNA | $4,235.59 | ↑ +28% |
| ASR HEALTH BENEFITS | AETNA | $4,235.59 | ↑ +28% |
| FIRST HEALTH | AETNA | $4,235.59 | ↑ +28% |
| AETNA DOMESTIC | AETNA | $4,235.59 | ↑ +28% |
| COVENTRY | AETNA | $4,235.59 | ↑ +28% |
| ALLIED BENEFIT SYSTEMS | AETNA | $4,235.59 | ↑ +28% |
| MERITAIN | AETNA | $4,235.59 | ↑ +28% |
| WEBTPA | AETNA | $4,235.59 | ↑ +28% |
| MEDICAL MUTUAL | AETNA | $4,235.59 | ↑ +28% |
| UNITED HEALTHCARE | UNITED HEALTHCARE DEERE PREMIER | $4,752.30 | ↑ +43% |
| IOWA DEPT OF PUBLIC HEALTH | CARE FOR YOURSELF | $5,110.00 | ↑ +54% |
| UNITED HEALTHCARE | UHC OPTUM BEHAVIORAL HEALTH | $5,110.00 | ↑ +54% |
Visitor-reported prices
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Low cost skin substitute app at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Allen Hospital | Waterloo | $1,407.70 | $575.67 – $1,138.47 |
| MercyOne Clinton Medical Center | Clinton | $2,968.55 | $755.08 – $4,567.00 |
| MercyOne Des Moines Medical Center | Des Moines | $909.35 | $228.32 – $1,434.84 |
| MercyOne North Iowa Medical Center | Mason City | $909.35 | $279.80 – $1,601.18 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $1,877.29 | $582.75 – $1,016.08 |
| UnityPoint Health - Marshalltown | Marshalltown | $1,407.70 | $575.67 – $1,404.18 |
| UnityPoint Health - St. Lukes Downtown | Sioux City | $1,208.58 | $392.79 – $981.97 |
| UnityPoint Health - Trinity Bettendorf | Bettendorf | $1,383.84 | $575.67 – $911.60 |