Ins/rpl pm gen exist dual lead at UnityPoint Health - Allen Hospital
1825 Logan Avenue, Waterloo, IA · UnityPoint Health · · NPI 1336231091
$17,323.56
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.
$21,654.44
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.
$293.07 with Aetna vs $11,411.89 with Medica Exchange Insure — 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 | $293.07 | ↓ -98% |
| Molina | Medicare Advantage | $298.93 | ↓ -98% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $298.93 | ↓ -98% |
| Humana | Medicare Advantage | $307.72 | ↓ -98% |
| Amerivantage | Medicare Advantage | $307.72 | ↓ -98% |
| United Healthcare | Medicare Advantage | $307.72 | ↓ -98% |
| Wellmark UPH Self-Funded | Commercial | $667.90 | ↓ -96% |
| Wellmark Blue Cross and Blue Shield | HMO | $667.90 | ↓ -96% |
| Health Partners Open Network | Commercial | $691.45 | ↓ -96% |
| Cigna/Midlands | Commercial | $784.21 | ↓ -95% |
| Wellmark Blue Cross and Blue Shield | PPO | $785.80 | ↓ -95% |
| Aetna | HMO | $792.90 | ↓ -95% |
| Aetna | PPO | $946.25 | ↓ -95% |
| United Healthcare | PPO | $1,028.09 | ↓ -94% |
| United Healthcare | HMO | $1,028.09 | ↓ -94% |
| Amerigroup | Managed Medicaid | $8,674.45 | ↓ -50% |
| Iowa Total Care | Managed Medicaid | $8,674.45 | ↓ -50% |
| Medica Exchange Inspire | Commercial | $10,199.24 | ↓ -41% |
| Medica Exchange Insure | Commercial | $11,411.89 | ↓ -34% |
Visitor-reported prices
Comments
Ins/rpl pm gen exist dual lead at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Genesis Davenport West Medical Center | Davenport | $11,412.00 | $10,017.62 – $12,363.00 |
| MercyOne Dubuque Medical Center | Dubuque | $9,743.50 | $5,351.43 – $20,884.03 |
| MercyOne Des Moines Medical Center | Des Moines | $9,929.40 | $96.81 – $20,291.63 |
| MercyOne North Iowa Medical Center | Mason City | $20,512.05 | $8,078.59 – $31,557.00 |
| MercyOne Genesis Davenport Medical Center | Davenport | $13,181.40 | $10,017.62 – $14,024.67 |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $859.80 | $928.00 – $2,679.00 |
| UnityPoint Health - Finley Hospital | Dubuque | $823.20 | $293.07 – $9,201.42 |
| UnityPoint Health - Grinnell Regional Medical Center | Grinnell | $823.20 | $293.07 – $10,412.63 |