Bill of Health

Every published price

Ann & Robert H. Lurie Children's Hospital of Chicago

for Physical therapy session · Chicago 60611

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Which of these is yours you said: paying cash
List price
The "gross charge" — the sticker price almost nobody actually pays.
$174
Cash price Yours
What this hospital says it charges someone paying without insurance — you. Ask for it by this name.
$121.80
Negotiated rates
363 rates across 48 insurers. What each one actually pays. None of them is your price if you pay cash.
$29.58 – $8,500

The same procedure, at this one hospital, ranges from $29.58 to $8,500. That is not an error, and it is not our arithmetic — it is what the hospital published.

Two things are happening. Rates differ between insurers and plans, as you would expect — and the same plan also appears more than once at different prices. Each rate below is shown with the hospital's own line-item description, so you can read how its file labels them. The file does not say which one you would be billed under, so we show every figure rather than pick one.

Rate by insurer, plan and line item

What each insurer pays

Sorted cheapest first, grouped by plan and then by the hospital's own line item. Plan names and line items are written exactly as the hospital wrote them. A plan that carries more than one price gets one row per price; line items the hospital priced the same are listed together once, because the file gives no reason to show one price as several.

Medicare $29.58 – $2,656 89.8×
Plans, line items and rates for Medicare
Medicare Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $29.58
Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $2,656
MercyCare Health $64.38
Plans, line items and rates for MercyCare Health
MercyCare Health - HMO/PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $64.38
Cigna $73.08 – $123.54
Plans, line items and rates for Cigna
Cigna Local Plus Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $73.08
Cigna C-5 Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $100.22
Cigna Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $123.54
Blue Cross Blue Shield $75.34 – $139.20
Plans, line items and rates for Blue Cross Blue Shield
BCBS HMO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $75.34
BCBS PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $79.34
Unified Physicians Network Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $97.44
Dupage Medical Group Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $104.40
Northwestern Medicine Physician Network IPA Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $104.40
Northshore Physician Associates Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $113.10
Illinois Health Partners Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $121.80
Lake County Physician Association Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $121.80
Sherman Choice - PHO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $139.20
Beacon Health Options $87
Plans, line items and rates for Beacon Health Options
Beacon Health Options - Value Options Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $87
La Rabida Childrens Hospital $87
Plans, line items and rates for La Rabida Childrens Hospital
La Rabida Childrens Hospital Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $87
Aetna $87 – $136.24
Plans, line items and rates for Aetna
Aetna Northwestern Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $87
Aetna Illinois Preferred Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $92.22
Aetna Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $136.24
UnitedHealthcare $100.05 – $118
Plans, line items and rates for UnitedHealthcare
UnitedHealthcare Navigate H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $100.05
Billed under 2 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN $109
UnitedHealthcare H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $107.36
Billed under 2 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN $118
Centegra $104.40
Plans, line items and rates for Centegra
Centegra Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $104.40
Independent Physicians at Mercy $104.40
Plans, line items and rates for Independent Physicians at Mercy
Independent Physicians at Mercy Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $104.40
UI Health $121.80
Plans, line items and rates for UI Health
UI Health Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $121.80
West Suburban Health Providers $121.80
Plans, line items and rates for West Suburban Health Providers
West Suburban Health Providers Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $121.80
Advanced Physicians Association IPA $121.80
Plans, line items and rates for Advanced Physicians Association IPA
Advanced Physicians Association IPA Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $121.80
St. Francis $121.80
Plans, line items and rates for St. Francis
St. Francis - IPA Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $121.80
Health Plus $121.80
Plans, line items and rates for Health Plus
Health Plus - PHO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $121.80
Methodist First Choice $121.80
Plans, line items and rates for Methodist First Choice
Methodist First Choice Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $121.80
Imagine Health $121.80
Plans, line items and rates for Imagine Health
Imagine Health Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $121.80
Presence Health Partners $121.80
Plans, line items and rates for Presence Health Partners
Presence Health Partners - Family Med Network Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $121.80
Northwest Community Healthcare $121.80
Plans, line items and rates for Northwest Community Healthcare
Northwest Community Healthcare Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $121.80
Swedish Covenant Physician Partners $130.50
Plans, line items and rates for Swedish Covenant Physician Partners
Swedish Covenant Physician Partners Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $130.50
Shriners Hospital $130.50
Plans, line items and rates for Shriners Hospital
Shriners Hospital Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $130.50
American Psych Systems $139.20
Plans, line items and rates for American Psych Systems
American Psych Systems Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $139.20
Macneal Health $139.20
Plans, line items and rates for Macneal Health
Macneal Health Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $139.20
Magellan $139.20 – $900 6.5×
Plans, line items and rates for Magellan
Magellan Behavioral Health Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $139.20
Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $900
Health Alliance $139.20
Plans, line items and rates for Health Alliance
Health Alliance - PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $139.20
Healthlink Inc. $143.55
Plans, line items and rates for Healthlink Inc.
Healthlink Inc. Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $143.55
St. Elizabeth $147.90
Plans, line items and rates for St. Elizabeth
St. Elizabeth - PHO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $147.90
Cofinity $147.90
Plans, line items and rates for Cofinity
Cofinity Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $147.90
HFN Inc $147.90 – $156.60
Plans, line items and rates for HFN Inc
HFN - EPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $147.90
HFN - PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $156.60
Principal Healthcare $147.90
Plans, line items and rates for Principal Healthcare
Principal Healthcare - PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $147.90
Humana $147.90
Plans, line items and rates for Humana
Humana Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $147.90
Humana National POS Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $147.90
Preferred Health Network $153.12
Plans, line items and rates for Preferred Health Network
Preferred Health Network - PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $153.12
Sagamore Health Network $153.12
Plans, line items and rates for Sagamore Health Network
Sagamore Health Network - PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $153.12
First Health $153.12
Plans, line items and rates for First Health
First Health Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $153.12
Healthstar $153.12
Plans, line items and rates for Healthstar
Healthstar - PPO Next Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $153.12
Private Health Care System $156.60
Plans, line items and rates for Private Health Care System
PHCS - PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $156.60
Private Health Care System - EPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $156.60
Private Health Care System - Northwestern Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $156.60
Beech Street $156.60
Plans, line items and rates for Beech Street
Beech Street - PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $156.60
Benchmark Health $156.60
Plans, line items and rates for Benchmark Health
Benchmark Health Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $156.60
Swedish American $156.60
Plans, line items and rates for Swedish American
Swedish American Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $156.60
Employer's Coalition on Health $156.60
Plans, line items and rates for Employer's Coalition on Health
Employer's Coalition on Health Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $156.60
Security Health Plan $156.60
Plans, line items and rates for Security Health Plan
Security Health Plan - HMO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $156.60
Wellmark/Healthnetwork $160.08
Plans, line items and rates for Wellmark/Healthnetwork
Wellmark/Healthnetwork - PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $160.08
Multiplan $165.30
Plans, line items and rates for Multiplan
Multiplan - PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $165.30
WEA Insurance Group $165.30
Plans, line items and rates for WEA Insurance Group
WEA Insurance Group - PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $165.30
Integrated Health Plan $165.30
Plans, line items and rates for Integrated Health Plan
Integrated Health Plan Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $165.30
National Provider Network $165.30
Plans, line items and rates for National Provider Network
National Provider Network - PPO Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $165.30
Health Smart $165.30
Plans, line items and rates for Health Smart
Health Smart Preferred Care Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $165.30
Unicare $3,678 – $8,500 2.3×
Plans, line items and rates for Unicare
Unicare Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $3,678
Billed under 3 line items, all at this rate H OT THERAPEU PROC PER 15 MIN · H PT THERAPEUTIC PROC PER 15 MIN · H THERAPEUTIC PX 1/> AREAS EACH 15 MIN EXERCISES $8,500

How complete the paperwork is

What Ann & Robert H. Lurie Children's Hospital of Chicago published — and what it left out

Federal law tells hospitals what to publish. This score is our reading of how much of that Ann & Robert H. Lurie Children's Hospital of Chicago actually did publish. It is a measure of their paperwork, not their care. We hold no clinical, safety, or outcome data about any hospital, and nothing here should be read as a comment on the medicine.

0.86/ 1.00

At or above our 0.50 threshold, so this hospital appears in comparisons. A passing score means the file is complete enough to compare, not that it is complete.

0.00 Publishing threshold 0.50 1.00

The four parts of Ann & Robert H. Lurie Children's Hospital of Chicago's disclosure-completeness score, each with its weight, its value, and what was counted.
What we checked Weight Scored Added
How many common services carry a price Partial credit 46 of 70 CMS shoppable services have an unflagged gross or cash dollar amount. 0.40 0.66 0.26
How often the price is a dollar amount Near full credit 5230123 of 5230553 negotiated rates are dollar amounts rather than formulas. 0.25 1.00 0.25
How recently the file was updated Full credit Current: file states last_updated_on 2026-04-01 (196 days old). 0.20 1.00 0.20
How many rows are usable figures Near full credit 204 of 5478915 rows are quality-flagged (placeholder, zero, blank, or algorithm-only). 0.15 1.00 0.15
Total 0.86

Each part is scored from 0 to 1 and multiplied by its weight; the four add up to the total above. Every count in the right-hand column came from the hospital's own file — we did not estimate, impute, or fill a gap on their behalf. Where the file is thin, the score is thin, and the gap belongs to the publisher.

Where these numbers came from

Provenance

Every figure above was read from a file this hospital publishes because federal law requires it. Nothing here is estimated, modelled, or supplied by us.

https://www.luriechildrens.org/globalassets/media/pages/patients--visitors/billing--financial-assistance/36-2170833_ann_and_robert_h_lurie_childrens_hospital_of_chicago_standardcharges.csv
Hospital states last updated 1 Apr 2026 We fetched it 6 Aug 2026

These are published prices, not a quote and not a bill. What you owe depends on your own plan, your deductible, and what actually happens during your care.