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Lower Back (Lumbar Spine) CT scan (with contrast) at Banner Ocotillo Medical Center
1405 S Alma School Rd, Chandler, AZ · Banner Health · · NPI 1972139004
$859.13
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.
$3,242.00
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.
$266.89 with Mercy Care vs $2,431.50 with Provider Network of America — 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 |
|---|---|---|---|
| Mercy Care | Mercy Medicaid | $266.89 | ↓ -69% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $266.89 | ↓ -69% |
| Health Net | Medicaid | $266.89 | ↓ -69% |
| Health Choice Arizona, Inc. | Medicaid | $266.89 | ↓ -69% |
| Arizona Physicians IPA | Medicaid | $266.89 | ↓ -69% |
| Aetna | Banner Employee Plans | $341.00 | ↓ -60% |
| UPMC Health Plan | Medicare Advantage | $380.64 | ↓ -56% |
| Gila River Health Care Corporation | Managed Care Program | $380.64 | ↓ -56% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plans | $380.64 | ↓ -56% |
| Banner University Health Plan | University Care Advantage | $380.64 | ↓ -56% |
| TriWest Healthcare Alliance Corp - VA CCN | VA Community Care Network | $380.64 | ↓ -56% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $380.64 | ↓ -56% |
| Health Choice Arizona, Inc. | Medicare Advantage | $380.64 | ↓ -56% |
| United Healthcare | UHC Medicare Advantage | $380.64 | ↓ -56% |
| Aetna | Medicare Advantage | $380.64 | ↓ -56% |
| Humana | Medicare Advantage | $380.64 | ↓ -56% |
| Health Net | Medicare | $380.64 | ↓ -56% |
| Wellpoint | Medicare Advantage HMO | $380.64 | ↓ -56% |
| Blue Cross Blue Shield of Arizona | Medicare Advantage | $380.64 | ↓ -56% |
| Mercy Care | Mercy Care Advantage | $380.64 | ↓ -56% |
| Arizona Physicians IPA | Medicare Advantage | $380.64 | ↓ -56% |
| Banner Health | Medicare Advantage | $380.64 | ↓ -56% |
| Kaiser Foundation Health Plan | Medicare Advantage | $380.64 | ↓ -56% |
| Carelon | Medicare Advantage | $399.67 | ↓ -53% |
| Devoted Health Services | Medicare Advantage | $399.67 | ↓ -53% |
| Gold Kidney Health Plan | Medicare Advantage | $418.70 | ↓ -51% |
| Aetna | Qualified Health Plan | $517.67 | ↓ -40% |
| United Healthcare | Individual Exchange | $532.90 | ↓ -38% |
| Health Net | Commerical Exchange Product | $563.35 | ↓ -34% |
| Health Choice Arizona, Inc. | ACA Health Plan | $570.96 | ↓ -34% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $620.60 | ↓ -28% |
| Oscar Health Plan | Commercial | $628.06 | ↓ -27% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $661.98 | ↓ -23% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $695.07 | ↓ -19% |
| Blue Cross Blue Shield of Arizona | Commercial | $827.47 | ↓ -4% |
| Blue Cross Blue Shield of Arizona | Medicare Supplemental Senior Preferred | $827.47 | ↓ -4% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $827.47 | ↓ -4% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $1,013.00 | ↑ +18% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $1,126.00 | ↑ +31% |
| Hospice of the Valley | Medicare | $1,134.70 | ↑ +32% |
| Plotkin Health | Plotkin Health | $1,458.90 | ↑ +70% |
| Aetna | Joint Venture | $1,497.80 | ↑ +74% |
| United Healthcare | UHC Doctor's Plan | $1,580.51 | ↑ +84% |
| Aetna | Designated Group | $1,591.82 | ↑ +85% |
| Aetna | Medical Rental | $1,708.53 | ↑ +99% |
| United Healthcare | UHC Core | $1,722.34 | ↑ +100% |
| Quiktrip Corporation | Commercial | $1,750.68 | ↑ +104% |
| United Healthcare | Commercial | $1,863.61 | ↑ +117% |
| Aetna | Broad Network | $1,870.63 | ↑ +118% |
| Arizona Medical Network | Commercial | $2,269.40 | ↑ +164% |
| Provider Network of America | Commercial | $2,431.50 | ↑ +183% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
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Lower Back (Lumbar Spine) CT scan (with contrast) at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $538.17 | $241.44 – $2,431.50 |
| Banner University Medical Center South | Tucson | $333.25 | $241.98 – $2,099.20 |
| Banner University Medical Center Tucson | Tucson | $341.12 | $241.98 – $2,099.20 |
| Banner Baywood Medical Center | Mesa | $508.99 | $266.89 – $2,431.50 |
| Banner Casa Grande Medical Center | Casa Grande | $534.93 | $241.98 – $2,431.50 |
| Banner Boswell Medical Center | Sun City | $515.48 | $266.89 – $2,593.60 |
| Banner Del Webb Medical Center | Sun City West | $567.35 | $241.44 – $2,593.60 |
| Banner Desert Medical Center | Mesa | $632.19 | $266.89 – $2,431.50 |