Ot therapeutic interventions cognitive skills direct patient contact each additional 15 minutes 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

$134.55

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.

$207.00

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.

$17.81 with MEDICARE MEDICAL ASSOCIATES HEALTH PLANS vs $301.50 with AETNA EAP — 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
MEDICARE MEDICAL ASSOCIATES HEALTH PLANS MEDICAL ASSOCIATES MEDICARE ADVANTAGE $17.81 ↓ -87%
AETNA MEDICARE ADVANTAGE AETNA MEDICARE ADVANTAGE $17.81 ↓ -87%
MEDIGOLD MEDICARE ADVANTAGE MERCYONE HEALTH PLAN MEDICARE ADVANTAGE $17.81 ↓ -87%
BLUE CROSS - IA (WELLMARK) MEDICARE ADVANTAGE WELLMARK MEDICARE ADVANTAGE $17.98 ↓ -87%
UNITED HEALTHCARE MEDICARE UNITED HEALTHCARE MEDICARE ADVANTAGE $18.16 ↓ -87%
HEALTH PARTNERS MEDICARE ADVANTAGE UNITYPOINT HEALTH PARTNERS MEDICARE ADV $18.35 ↓ -86%
WELLPOINT MEDICARE ADVANTAGE WELLPOINT MEDICARE ADVANTAGE $18.53 ↓ -86%
AMISH HOSPITAL AID AMISH HOSPITAL AID $24.17 ↓ -82%
MEDICAL ASSOCIATES MEDICAL ASSOCIATES $26.09 ↓ -81%
HEALTH CHOICES MEDICAL ASSOCIATES $26.09 ↓ -81%
IOWA TOTAL CARE IOWA TOTAL CARE MEDICAID $26.50 ↓ -80%
MOLINA MEDICAID MOLINA MEDICAID $26.76 ↓ -80%
WELLPOINT MEDICAID WELLPOINT MEDICAID $26.86 ↓ -80%
OSCAR OSCAR $27.89 ↓ -79%
CENTIVO CENTIVO $30.16 ↓ -78%
AMBETTER AMBETTER MARKETPLACE $30.53 ↓ -77%
CLAIMDOC CLAIMDOC $36.52 ↓ -73%
NOVA CLAIMDOC $36.52 ↓ -73%
HEALTH PARTNERS HEALTH PARTNERS $72.82 ↓ -46%
AUXIANT MIDLANDS CHOICE PPO $78.81 ↓ -41%
MEDICA MIDLANDS CHOICE PPO $78.81 ↓ -41%
CIGNA MIDLANDS CHOICE PPO $78.81 ↓ -41%
MIDLANDS MIDLANDS CHOICE PPO $78.81 ↓ -41%
CIGNA EAP MIDLANDS CHOICE PPO $78.81 ↓ -41%
MIDLANDS CHOICE MIDLANDS CHOICE PPO $78.81 ↓ -41%
UNITED HEALTHCARE UNITED HEALTHCARE DEERE PREMIER $103.23 ↓ -23%
IOWA DEPT OF PUBLIC HEALTH CARE FOR YOURSELF $111.00 ↓ -18%
UNITED HEALTHCARE UHC OPTUM BEHAVIORAL HEALTH $111.00 ↓ -18%
GEHA UNITED HEALTHCARE $231.00 ↑ +72%
UNITED HEALTHCARE UNITED HEALTHCARE $231.00 ↑ +72%
LUMINARE HEALTH AETNA $301.50 ↑ +124%
LUCENT HEALTH AETNA $301.50 ↑ +124%
ASR HEALTH BENEFITS AETNA $301.50 ↑ +124%
FIRST HEALTH AETNA $301.50 ↑ +124%
AETNA DOMESTIC AETNA $301.50 ↑ +124%
CHRISTIAN BROTHER SERVICES AETNA $301.50 ↑ +124%
COVENTRY AETNA $301.50 ↑ +124%
ALLIED BENEFIT SYSTEMS AETNA $301.50 ↑ +124%
MERITAIN AETNA $301.50 ↑ +124%
AETNA AETNA $301.50 ↑ +124%
WEBTPA AETNA $301.50 ↑ +124%
MEDICAL MUTUAL AETNA $301.50 ↑ +124%
AETNA EAP AETNA $301.50 ↑ +124%

Visitor-reported prices

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Ot therapeutic interventions cognitive skills direct patient contact each additional 15 minutes at other Iowa hospitals

Hospital City Cash price Negotiated range
UnityPoint Health - Allen Hospital Waterloo $66.96 $20.10 – $44.10
MercyOne Genesis Davenport West Medical Center Davenport $31.80 $28.73 – $28.73
MercyOne Dubuque Medical Center Dubuque $81.90 $17.81 – $137.00
MercyOne Dyersville Medical Center Dyersville $133.25 $77.49 – $230.75
MercyOne Oelwein Medical Center Oelwein $133.25 $78.35 – $205.00
MercyOne Cedar Falls Medical Center Cedar Falls $72.15 $17.81 – $301.50
MercyOne West Des Moines Medical Center West Des Moines $272.00 $17.81 – $189.00
MercyOne Des Moines Medical Center Des Moines $176.80 $17.81 – $272.00

All Iowa hospitals for this procedure →