healthcosts.net
ER Visit (level 5, high severity) at Banner Gateway Medical Center
1900 North Higley Road, Gilbert, AZ · Banner Health · · NPI 1699884858
$1,666.36
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.
$2,675.00
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.
$332.40 with Mercy Care vs $2,314.00 with Cigna Healthcare of Arizona, Inc. — 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 | $332.40 | ↓ -80% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $332.40 | ↓ -80% |
| Health Net | Medicaid | $332.40 | ↓ -80% |
| Arizona Physicians IPA | Medicaid | $332.40 | ↓ -80% |
| Health Choice Arizona, Inc. | Medicaid | $498.60 | ↓ -70% |
| UPMC Health Plan | Medicare Advantage | $653.45 | ↓ -61% |
| Gila River Health Care Corporation | Managed Care Program | $653.45 | ↓ -61% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plans | $653.45 | ↓ -61% |
| Wellpoint (fka Amerigroup) | Medicare Advantage HMO | $653.45 | ↓ -61% |
| Banner University Health Plan | University Care Advantage | $653.45 | ↓ -61% |
| TriWest Healthcare Alliance Corp - VA CCN | VA Community Care Network | $653.45 | ↓ -61% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $653.45 | ↓ -61% |
| Health Choice Arizona, Inc. | Medicare Advantage | $653.45 | ↓ -61% |
| United Healthcare | UHC Medicare Advantage | $653.45 | ↓ -61% |
| Aetna | Medicare Advantage | $653.45 | ↓ -61% |
| Humana | Medicare Advantage | $653.45 | ↓ -61% |
| Health Net | Medicare | $653.45 | ↓ -61% |
| Blue Cross Blue Shield of Arizona | Medicare Advantage | $653.45 | ↓ -61% |
| Mercy Care | Mercy Care Advantage | $653.45 | ↓ -61% |
| Arizona Physicians IPA | Medicare Advantage | $653.45 | ↓ -61% |
| Banner Health | Medicare Advantage | $653.45 | ↓ -61% |
| Care 1st | Medicare Advantage | $653.45 | ↓ -61% |
| Kaiser Foundation Health Plan | Medicare Advantage | $653.45 | ↓ -61% |
| Carekin | Medicare Advantage | $686.12 | ↓ -59% |
| Devoted Health Services | Medicare Advantage | $686.12 | ↓ -59% |
| Gold Kidney Health Plan | Medicare Advantage | $718.79 | ↓ -57% |
| Arizona Priority Care | Medicare Advantage | $718.79 | ↓ -57% |
| Aetna | Qualified Health Plan | $888.69 | ↓ -47% |
| United Healthcare | Individual Exchange | $914.83 | ↓ -45% |
| Aetna | Banner Employee Plans | $932.00 | ↓ -44% |
| Hospice of the Valley | Medicare | $936.25 | ↓ -44% |
| Health Net | Commerical Exchange Product | $967.11 | ↓ -42% |
| Health Choice Arizona, Inc. | ACA Health Plan | $980.17 | ↓ -41% |
| Oscar Health Plan | Commercial | $1,078.19 | ↓ -35% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $1,203.75 | ↓ -28% |
| Plotkin Health | Plotkin Health | $1,203.75 | ↓ -28% |
| Aetna | Medical Rental | $1,409.72 | ↓ -15% |
| Quiktrip Corporation | Commercial | $1,444.50 | ↓ -13% |
| Aetna | Joint Venture | $1,626.00 | ↓ -2% |
| United Healthcare | UHC Doctor's Plan | $1,715.00 | ↑ +3% |
| Aetna | Designated Group | $1,728.00 | ↑ +4% |
| United Healthcare | UHC Core | $1,793.00 | ↑ +8% |
| Arizona Medical Network | Commercial | $1,872.50 | ↑ +12% |
| United Healthcare | Commercial | $1,887.00 | ↑ +13% |
| Humana | Commercial | $1,910.00 | ↑ +15% |
| Provider Network of America | Commercial | $2,006.25 | ↑ +20% |
| Aetna | Broad Network | $2,033.00 | ↑ +22% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $2,083.00 | ↑ +25% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $2,314.00 | ↑ +39% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
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ER Visit (level 5, high severity) at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $1,508.88 | $332.40 – $2,006.25 |
| Banner University Medical Center Tucson | Tucson | $1,557.76 | $332.40 – $2,203.20 |
| Banner University Medical Center South | Tucson | $1,344.61 | $332.40 – $2,203.20 |
| Banner Baywood Medical Center | Mesa | $1,378.14 | $332.40 – $2,083.00 |
| Banner Boswell Medical Center | Sun City | $1,389.92 | $332.40 – $2,140.00 |
| Banner Casa Grande Medical Center | Casa Grande | $1,420.99 | $332.40 – $2,006.25 |
| Banner Del Webb Medical Center | Sun City West | $1,428.14 | $332.40 – $2,140.00 |
| Banner Desert Medical Center | Mesa | $1,574.15 | $332.40 – $2,006.25 |