Fern test at Mercy Gilbert Medical Center
3555 S Val Vista Dr, Gilbert, AZ · CommonSpirit Health · · NPI 1992735088
$17.72
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.
$72.00
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.
$9.74 with Care 1st vs $67.77 with BCBS - AZ — 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 |
|---|---|---|---|
| Care 1st | Medicare|All Plans | $9.74 | ↓ -45% |
| Humana | Medicare|All Plans | $9.74 | ↓ -45% |
| Aetna | Medicare|All Plans | $9.74 | ↓ -45% |
| First Health | Medicare|All Plans | $9.74 | ↓ -45% |
| Cigna | Medicare|All Plans | $9.74 | ↓ -45% |
| BCBS - AZ | Medicare|All Plans | $9.74 | ↓ -45% |
| Health Choice | Medicare|All Plans | $9.74 | ↓ -45% |
| Mercy Care Plan | Medicaid|All Plans | $9.74 | ↓ -45% |
| Mercy Care Plan | Medicare|All Plans | $9.74 | ↓ -45% |
| United | Medicaid|All Plans | $9.98 | ↓ -44% |
| Health Choice | Medicaid|All Plans | $9.98 | ↓ -44% |
| United | Medicare|All Plans | $9.99 | ↓ -44% |
| United | Commercial|DignityHealthEmployee | $10.08 | ↓ -43% |
| United | Commercial|All Other Plans | $11.69 | ↓ -34% |
| United | Commercial|Navigate | $11.69 | ↓ -34% |
| United | Commercial|Options PPO | $11.69 | ↓ -34% |
| Cigna | Commercial|Exchange | $20.26 | ↑ +14% |
| Cigna | Commercial|LocalPlus SureFit | $21.65 | ↑ +22% |
| Cigna | Commercial|PPO | $28.49 | ↑ +61% |
| Cigna | Commercial|All Other Plans | $28.49 | ↑ +61% |
| BCBS - AZ | Commercial|Neighborhood | $34.23 | ↑ +93% |
| BCBS - AZ | Commercial|MaricopaFocus | $34.23 | ↑ +93% |
| First Health | Commercial|All Plans | $38.88 | ↑ +119% |
| BCBS - AZ | Commercial|All Other Plans | $45.63 | ↑ +158% |
| Aetna | Commercial|PPO | $49.41 | ↑ +179% |
| Aetna | Commercial|All Other Plans | $49.41 | ↑ +179% |
| Aetna | Commercial|HMO | $49.41 | ↑ +179% |
| MultiPlan | Commercial|All Plans | $55.44 | ↑ +213% |
| BCBS - AZ | Commercial|Workers Comp | $67.77 | ↑ +282% |
Visitor-reported prices
Comments
Fern test at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| St. Joseph’s Hospital and Medical Center | Phoenix | $21.01 | $4.09 – $43.45 |
| Chandler Regional Medical Center | Chandler | $19.30 | $5.84 – $60.48 |