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Neck (Cervical Spine) CT scan (with contrast) at UnityPoint Health - Allen Hospital
1825 Logan Avenue, Waterloo, IA · UnityPoint Health · · NPI 1336231091
$1,463.25
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.
$1,829.06
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.
$53.20 with Aetna vs $963.91 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 | $53.20 | ↓ -96% |
| Molina | Medicare Advantage | $54.26 | ↓ -96% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $54.26 | ↓ -96% |
| Amerivantage | Medicare Advantage | $55.86 | ↓ -96% |
| Humana | Medicare Advantage | $55.86 | ↓ -96% |
| United Healthcare | Medicare Advantage | $55.86 | ↓ -96% |
| United Healthcare | HMO | $77.72 | ↓ -95% |
| United Healthcare | PPO | $77.72 | ↓ -95% |
| Wellmark Blue Cross and Blue Shield | HMO | $109.70 | ↓ -93% |
| Wellmark UPH Self-Funded | Commercial | $109.70 | ↓ -93% |
| Cigna/Midlands | Commercial | $112.77 | ↓ -92% |
| Health Partners Open Network | Commercial | $118.28 | ↓ -92% |
| Wellmark Blue Cross and Blue Shield | PPO | $129.10 | ↓ -91% |
| Aetna | HMO | $140.81 | ↓ -90% |
| Aetna | PPO | $158.14 | ↓ -89% |
| Amerigroup | Managed Medicaid | $296.02 | ↓ -80% |
| Iowa Total Care | Managed Medicaid | $296.02 | ↓ -80% |
| Medica Exchange Inspire | Commercial | $861.49 | ↓ -41% |
| Medica Exchange Insure | Commercial | $963.91 | ↓ -34% |
Visitor-reported prices
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Neck (Cervical Spine) CT scan (with contrast) at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Waterloo Medical Center | Waterloo | $3,010.15 | $328.68 – $4,631.00 |
| UnityPoint Health - Iowa Lutheran Hospital | Des Moines | $2,896.28 | $53.20 – $1,064.38 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $1,520.40 | $341.85 – $478.59 |
| MercyOne Dubuque Medical Center | Dubuque | $1,972.75 | $312.99 – $3,035.00 |
| MercyOne Clinton Medical Center | Clinton | $2,213.25 | $321.26 – $3,405.00 |
| MercyOne Dyersville Medical Center | Dyersville | $1,335.75 | $776.79 – $2,313.11 |
| MercyOne Cedar Falls Medical Center | Cedar Falls | $3,009.50 | $328.68 – $4,630.00 |
| MercyOne West Des Moines Medical Center | West Des Moines | $2,305.00 | $329.29 – $2,305.00 |