Scr c/v cyto,thinlayer,rescr at MercyOne Waterloo Medical Center
3421 W. 9th St, Waterloo, IA · MercyOne · · NPI 1700827896
$191.10
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.
$294.00
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.
$25.96 with AETNA MEDICARE ADVANTAGE vs $294.00 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 |
|---|---|---|---|
| AETNA MEDICARE ADVANTAGE | AETNA MEDICARE ADVANTAGE | $25.96 | ↓ -86% |
| MEDIGOLD MEDICARE ADVANTAGE | MERCYONE HEALTH PLAN MEDICARE ADVANTAGE | $25.96 | ↓ -86% |
| MEDICARE MEDICAL ASSOCIATES HEALTH PLANS | MEDICAL ASSOCIATES MEDICARE ADVANTAGE | $25.96 | ↓ -86% |
| BLUE CROSS - IA (WELLMARK) MEDICARE ADVANTAGE | WELLMARK MEDICARE ADVANTAGE | $26.22 | ↓ -86% |
| UNITED HEALTHCARE MEDICARE | UNITED HEALTHCARE MEDICARE ADVANTAGE | $26.48 | ↓ -86% |
| IOWA DEPT OF PUBLIC HEALTH | CARE FOR YOURSELF | $26.49 | ↓ -86% |
| GEHA | UNITED HEALTHCARE | $26.49 | ↓ -86% |
| UNITED HEALTHCARE | UNITED HEALTHCARE | $26.49 | ↓ -86% |
| HEALTH PARTNERS MEDICARE ADVANTAGE | UNITYPOINT HEALTH PARTNERS MEDICARE ADV | $26.75 | ↓ -86% |
| WELLPOINT MEDICARE ADVANTAGE | WELLPOINT MEDICARE ADVANTAGE | $27.02 | ↓ -86% |
| AMISH HOSPITAL AID | AMISH HOSPITAL AID | $35.23 | ↓ -82% |
| OSCAR | OSCAR | $40.65 | ↓ -79% |
| CENTIVO | CENTIVO | $43.97 | ↓ -77% |
| AMBETTER | AMBETTER MARKETPLACE | $44.50 | ↓ -77% |
| NOVA | CLAIMDOC | $53.24 | ↓ -72% |
| CLAIMDOC | CLAIMDOC | $53.24 | ↓ -72% |
| MEDICAL ASSOCIATES | MEDICAL ASSOCIATES | $69.09 | ↓ -64% |
| HEALTH CHOICES | MEDICAL ASSOCIATES | $69.09 | ↓ -64% |
| AETNA EAP | AETNA | $72.09 | ↓ -62% |
| AETNA | AETNA | $72.09 | ↓ -62% |
| COVENTRY | AETNA | $72.09 | ↓ -62% |
| ALLIED BENEFIT SYSTEMS | AETNA | $72.09 | ↓ -62% |
| AETNA DOMESTIC | AETNA | $72.09 | ↓ -62% |
| LUCENT HEALTH | AETNA | $72.09 | ↓ -62% |
| CHRISTIAN BROTHER SERVICES | AETNA | $72.09 | ↓ -62% |
| LUMINARE HEALTH | AETNA | $72.09 | ↓ -62% |
| MERITAIN | AETNA | $72.09 | ↓ -62% |
| ASR HEALTH BENEFITS | AETNA | $72.09 | ↓ -62% |
| WEBTPA | AETNA | $72.09 | ↓ -62% |
| FIRST HEALTH | AETNA | $72.09 | ↓ -62% |
| MEDICAL MUTUAL | AETNA | $72.09 | ↓ -62% |
| HEALTH PARTNERS | HEALTH PARTNERS | $192.86 | ↑ +1% |
| MIDLANDS | MIDLANDS CHOICE PPO | $208.74 | ↑ +9% |
| CIGNA EAP | MIDLANDS CHOICE PPO | $208.74 | ↑ +9% |
| MIDLANDS CHOICE | MIDLANDS CHOICE PPO | $208.74 | ↑ +9% |
| AUXIANT | MIDLANDS CHOICE PPO | $208.74 | ↑ +9% |
| MEDICA | MIDLANDS CHOICE PPO | $208.74 | ↑ +9% |
| CIGNA | MIDLANDS CHOICE PPO | $208.74 | ↑ +9% |
| UNITED HEALTHCARE | UNITED HEALTHCARE DEERE PREMIER | $273.42 | ↑ +43% |
| UNITED HEALTHCARE | UHC OPTUM BEHAVIORAL HEALTH | $294.00 | ↑ +54% |
Visitor-reported prices
Comments
Scr c/v cyto,thinlayer,rescr at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| UnityPoint Health - Allen Hospital | Waterloo | $55.00 | $15.89 – $44.48 |
| MercyOne Oelwein Medical Center | Oelwein | $182.00 | $26.49 – $280.00 |
| UnityPoint Health - Finley Hospital | Dubuque | $55.00 | $15.89 – $55.00 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $55.00 | $15.89 – $42.90 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $55.00 | $15.89 – $36.91 |
| UnityPoint Health - Jones Regional Medical Center | Anamosa | $55.00 | $15.89 – $60.98 |
| UnityPoint Health - Marshalltown | Marshalltown | $55.00 | $15.89 – $54.86 |
| UnityPoint Health - St. Lukes Downtown | Sioux City | $55.00 | $15.89 – $44.69 |