Ot re-evaluation patient/family at MercyOne Waterloo Medical Center
3421 W. 9th St, Waterloo, IA · MercyOne · · NPI 1700827896
$155.35
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.
$239.00
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.
$47.90 with IOWA TOTAL CARE vs $301.50 with ASR HEALTH BENEFITS — 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 | $47.90 | ↓ -69% |
| MOLINA MEDICAID | MOLINA MEDICAID | $48.37 | ↓ -69% |
| WELLPOINT MEDICAID | WELLPOINT MEDICAID | $48.56 | ↓ -69% |
| MEDICAL ASSOCIATES | MEDICAL ASSOCIATES | $56.17 | ↓ -64% |
| HEALTH CHOICES | MEDICAL ASSOCIATES | $56.17 | ↓ -64% |
| AETNA MEDICARE ADVANTAGE | AETNA MEDICARE ADVANTAGE | $64.22 | ↓ -59% |
| MEDICARE MEDICAL ASSOCIATES HEALTH PLANS | MEDICAL ASSOCIATES MEDICARE ADVANTAGE | $64.22 | ↓ -59% |
| MEDIGOLD MEDICARE ADVANTAGE | MERCYONE HEALTH PLAN MEDICARE ADVANTAGE | $64.22 | ↓ -59% |
| AMISH HOSPITAL AID | AMISH HOSPITAL AID | $64.22 | ↓ -59% |
| BLUE CROSS - IA (WELLMARK) MEDICARE ADVANTAGE | WELLMARK MEDICARE ADVANTAGE | $64.86 | ↓ -58% |
| UNITED HEALTHCARE MEDICARE | UNITED HEALTHCARE MEDICARE ADVANTAGE | $65.50 | ↓ -58% |
| HEALTH PARTNERS MEDICARE ADVANTAGE | UNITYPOINT HEALTH PARTNERS MEDICARE ADV | $66.19 | ↓ -57% |
| WELLPOINT MEDICARE ADVANTAGE | WELLPOINT MEDICARE ADVANTAGE | $66.84 | ↓ -57% |
| OSCAR | OSCAR | $100.57 | ↓ -35% |
| CENTIVO | CENTIVO | $108.78 | ↓ -30% |
| AMBETTER | AMBETTER MARKETPLACE | $110.09 | ↓ -29% |
| NOVA | CLAIMDOC | $131.72 | ↓ -15% |
| CLAIMDOC | CLAIMDOC | $131.72 | ↓ -15% |
| HEALTH PARTNERS | HEALTH PARTNERS | $156.78 | ↑ +1% |
| MIDLANDS | MIDLANDS CHOICE PPO | $169.69 | ↑ +9% |
| CIGNA | MIDLANDS CHOICE PPO | $169.69 | ↑ +9% |
| MEDICA | MIDLANDS CHOICE PPO | $169.69 | ↑ +9% |
| CIGNA EAP | MIDLANDS CHOICE PPO | $169.69 | ↑ +9% |
| AUXIANT | MIDLANDS CHOICE PPO | $169.69 | ↑ +9% |
| MIDLANDS CHOICE | MIDLANDS CHOICE PPO | $169.69 | ↑ +9% |
| UNITED HEALTHCARE | UNITED HEALTHCARE DEERE PREMIER | $222.27 | ↑ +43% |
| GEHA | UNITED HEALTHCARE | $231.00 | ↑ +49% |
| UNITED HEALTHCARE | UNITED HEALTHCARE | $231.00 | ↑ +49% |
| UNITED HEALTHCARE | UHC OPTUM BEHAVIORAL HEALTH | $239.00 | ↑ +54% |
| IOWA DEPT OF PUBLIC HEALTH | CARE FOR YOURSELF | $239.00 | ↑ +54% |
| LUMINARE HEALTH | AETNA | $301.50 | ↑ +94% |
| FIRST HEALTH | AETNA | $301.50 | ↑ +94% |
| MERITAIN | AETNA | $301.50 | ↑ +94% |
| ALLIED BENEFIT SYSTEMS | AETNA | $301.50 | ↑ +94% |
| COVENTRY | AETNA | $301.50 | ↑ +94% |
| AETNA DOMESTIC | AETNA | $301.50 | ↑ +94% |
| WEBTPA | AETNA | $301.50 | ↑ +94% |
| CHRISTIAN BROTHER SERVICES | AETNA | $301.50 | ↑ +94% |
| MEDICAL MUTUAL | AETNA | $301.50 | ↑ +94% |
| LUCENT HEALTH | AETNA | $301.50 | ↑ +94% |
| AETNA | AETNA | $301.50 | ↑ +94% |
| AETNA EAP | AETNA | $301.50 | ↑ +94% |
| ASR HEALTH BENEFITS | AETNA | $301.50 | ↑ +94% |
Visitor-reported prices
Comments
Ot re-evaluation patient/family at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Allen Hospital | Waterloo | $132.00 | $60.26 – $105.30 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $202.80 | $88.55 – $88.55 |
| MercyOne Dubuque Medical Center | Dubuque | $91.00 | $47.90 – $212.00 |
| MercyOne New Hampton Medical Center | New Hampton | $146.90 | $89.47 – $226.00 |
| MercyOne Clinton Medical Center | Clinton | $175.50 | $47.90 – $270.00 |
| MercyOne Elkader Medical Center | Elkader | $146.90 | $116.32 – $236.22 |
| MercyOne West Des Moines Medical Center | West Des Moines | $179.00 | $35.98 – $189.00 |
| MercyOne Centerville Medical Center | Centerville | $226.00 | $62.01 – $226.00 |