MRA spinal canal at Banner Gateway Medical Center
1900 North Higley Road, Gilbert, AZ · Banner Health · · NPI 1699884858
$459.32
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.
$3,796.00
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.
$506.20 with Aetna vs $1,927.93 with Blue Cross Blue Shield of Arizona — 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 | $506.20 | ↑ +10% |
| Health Choice Arizona, Inc. | Medicaid | $609.97 | ↑ +33% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $609.97 | ↑ +33% |
| Mercy Care | Mercy Medicaid | $609.97 | ↑ +33% |
| Arizona Physicians IPA | Medicaid | $609.97 | ↑ +33% |
| Health Net | Medicaid | $609.97 | ↑ +33% |
| Aetna | Qualified Health Plan | $642.87 | ↑ +40% |
| Health Choice Arizona, Inc. | Medicare Advantage | $759.30 | ↑ +65% |
| Aetna | Banner Employee Plans | $850.42 | ↑ +85% |
| Hospice of the Valley | Medicare | $885.85 | ↑ +93% |
| Arizona Priority Care | Medicare Advantage | $1,012.40 | ↑ +120% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $1,138.95 | ↑ +148% |
| Plotkin Health | Plotkin Health | $1,138.95 | ↑ +148% |
| Aetna | Joint Venture | $1,169.32 | ↑ +155% |
| United Healthcare | UHC Doctor's Plan | $1,214.36 | ↑ +164% |
| Aetna | Designated Group | $1,242.72 | ↑ +171% |
| Oscar Health Plan | Commercial | $1,265.50 | ↑ +176% |
| Health Net | Medicare | $1,265.50 | ↑ +176% |
| Health Choice Arizona, Inc. | ACA Health Plan | $1,265.50 | ↑ +176% |
| United Healthcare | UHC Core | $1,323.31 | ↑ +188% |
| Aetna | Medical Rental | $1,333.84 | ↑ +190% |
| Health Net | Commerical Exchange Product | $1,366.74 | ↑ +198% |
| Quiktrip Corporation | Commercial | $1,366.74 | ↑ +198% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $1,445.95 | ↑ +215% |
| Aetna | Broad Network | $1,460.39 | ↑ +218% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $1,481.00 | ↑ +222% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $1,542.35 | ↑ +236% |
| United Healthcare | Commercial | $1,559.81 | ↑ +240% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $1,619.45 | ↑ +253% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $1,646.00 | ↑ +258% |
| Arizona Medical Network | Commercial | $1,771.70 | ↑ +286% |
| Provider Network of America | Commercial | $1,898.25 | ↑ +313% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $1,927.93 | ↑ +320% |
| Blue Cross Blue Shield of Arizona | Medicare Supplemental Senior Preferred | $1,927.93 | ↑ +320% |
| Blue Cross Blue Shield of Arizona | Commercial | $1,927.93 | ↑ +320% |
Visitor-reported prices
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MRA spinal canal at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Mercy Gilbert Medical Center | Gilbert | $607.62 | $345.80 – $2,470.00 |
| Banner University Medical Center Phoenix | Phoenix | $732.63 | $506.20 – $1,898.25 |
| Banner University Medical Center Tucson | Tucson | $758.99 | $500.37 – $2,468.00 |
| Banner Del Webb Medical Center | Sun City West | $1,010.38 | $506.20 – $2,024.80 |
| Banner Desert Medical Center | Mesa | $793.36 | $506.20 – $1,898.25 |
| Banner Ironwood Medical Center | San Tan Valley | $1,150.26 | $506.20 – $1,898.25 |
| Banner Ocotillo Medical Center | Chandler | $1,148.29 | $506.20 – $1,898.25 |
| Banner Payson Medical Center | Payson | $1,458.94 | $409.12 – $1,547.10 |