Trnsfr/rearrngmnt adjcnt tiss e/n/e/l dfct 10sqcm/< at UnityPoint Health - Allen Hospital
1825 Logan Avenue, Waterloo, IA · UnityPoint Health · · NPI 1336231091
$1,900.80
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.
$2,376.00
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.
$603.65 with Aetna vs $2,066.40 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 | $603.65 | ↓ -68% |
| Molina | Medicare Advantage | $615.72 | ↓ -68% |
| Wellmark Blue Cross and Blue Shield | Medicare Advantage | $615.72 | ↓ -68% |
| United Healthcare | Medicare Advantage | $633.83 | ↓ -67% |
| Humana | Medicare Advantage | $633.83 | ↓ -67% |
| Amerivantage | Medicare Advantage | $633.83 | ↓ -67% |
| Wellmark UPH Self-Funded | Commercial | $1,192.90 | ↓ -37% |
| Wellmark Blue Cross and Blue Shield | HMO | $1,192.90 | ↓ -37% |
| Health Partners Open Network | Commercial | $1,250.35 | ↓ -34% |
| Wellmark Blue Cross and Blue Shield | PPO | $1,403.40 | ↓ -26% |
| Iowa Total Care | Managed Medicaid | $1,516.20 | ↓ -20% |
| Amerigroup | Managed Medicaid | $1,516.20 | ↓ -20% |
| Aetna | HMO | $1,518.84 | ↓ -20% |
| Cigna/Midlands | Commercial | $1,605.08 | ↓ -16% |
| Aetna | PPO | $1,812.08 | ↓ -5% |
| United Healthcare | HMO | $2,066.40 | ↑ +9% |
| United Healthcare | PPO | $2,066.40 | ↑ +9% |
| Medica Exchange Insure | Commercial | not published by hospital | — |
| Medica Exchange Inspire | Commercial | not published by hospital | — |
Visitor-reported prices
Comments
Trnsfr/rearrngmnt adjcnt tiss e/n/e/l dfct 10sqcm/< at other Iowa hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| MercyOne Waterloo Medical Center | Waterloo | $4,411.05 | $35.88 – $4,604.83 |
| MercyOne Genesis Davenport West Medical Center | Davenport | $1,422.00 | not published |
| MercyOne Dubuque Medical Center | Dubuque | $19,349.97 | $5.58 – $7,823.39 |
| MercyOne Des Moines Medical Center | Des Moines | $2,195.00 | $182.86 – $1,711.14 |
| MercyOne Centerville Medical Center | Centerville | $10,415.88 | $3.36 – $31.45 |
| MercyOne North Iowa Medical Center | Mason City | $2,563.00 | $43.00 – $4,470.05 |
| MercyOne Genesis Davenport Medical Center | Davenport | $2,620.20 | $1,750.98 – $2,451.37 |
| MercyOne Genesis DeWitt Medical Center | DeWitt | $1,493.40 | $928.00 – $2,679.00 |