Observation direct referral from physician office for admission at Mercy Gilbert Medical Center
3555 S Val Vista Dr, Gilbert, AZ · CommonSpirit Health · · NPI 1992735088
$883.88
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.
$3,593.00
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.
$30.75 with United vs $2,078.23 with MultiPlan — 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 |
|---|---|---|---|
| United | Medicaid|All Plans | $30.75 | ↓ -97% |
| Health Choice | Medicaid|All Plans | $30.75 | ↓ -97% |
| BCBS - AZ | Commercial|Neighborhood | $116.45 | ↓ -87% |
| BCBS - AZ | Commercial|MaricopaFocus | $116.45 | ↓ -87% |
| BCBS - AZ | Commercial|All Other Plans | $155.26 | ↓ -82% |
| BCBS - AZ | Commercial|Workers Comp | $230.59 | ↓ -74% |
| United | Commercial|DignityHealthEmployee | $377.86 | ↓ -57% |
| Care 1st | Medicare|All Plans | $653.45 | ↓ -26% |
| Humana | Medicare|All Plans | $653.45 | ↓ -26% |
| Aetna | Medicare|All Plans | $653.45 | ↓ -26% |
| First Health | Medicare|All Plans | $653.45 | ↓ -26% |
| Cigna | Medicare|All Plans | $653.45 | ↓ -26% |
| BCBS - AZ | Medicare|All Plans | $653.45 | ↓ -26% |
| Health Choice | Medicare|All Plans | $653.45 | ↓ -26% |
| Mercy Care Plan | Medicaid|All Plans | $653.45 | ↓ -26% |
| Mercy Care Plan | Medicare|All Plans | $653.45 | ↓ -26% |
| United | Medicare|All Plans | $669.79 | ↓ -24% |
| Cigna | Commercial|Exchange | $782.71 | ↓ -11% |
| Cigna | Commercial|LocalPlus SureFit | $863.68 | ↓ -2% |
| Cigna | Commercial|PPO | $1,106.59 | ↑ +25% |
| Cigna | Commercial|All Other Plans | $1,106.59 | ↑ +25% |
| Aetna | Commercial|PPO | $1,295.52 | ↑ +47% |
| Aetna | Commercial|HMO | $1,295.52 | ↑ +47% |
| Aetna | Commercial|All Other Plans | $1,295.52 | ↑ +47% |
| United | Commercial|Options PPO | $1,337.00 | ↑ +51% |
| First Health | Commercial|All Plans | $1,457.46 | ↑ +65% |
| Connected Care | Commercial|Intel | $1,511.44 | ↑ +71% |
| United | Commercial|Navigate | $1,531.00 | ↑ +73% |
| United | Commercial|All Other Plans | $1,823.00 | ↑ +106% |
| MultiPlan | Commercial|All Plans | $2,078.23 | ↑ +135% |
Visitor-reported prices
Comments
Observation direct referral from physician office for admission at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Gateway Medical Center | Gilbert | $72.59 | $30.00 – $1,078.19 |
| Banner University Medical Center Phoenix | Phoenix | $268.14 | $30.00 – $1,078.19 |
| Banner University Medical Center Tucson | Tucson | $426.41 | $30.00 – $1,078.19 |
| Banner University Medical Center South | Tucson | $228.90 | $30.00 – $1,078.19 |
| Banner Baywood Medical Center | Mesa | $160.88 | $30.00 – $1,078.19 |
| Banner Boswell Medical Center | Sun City | $279.91 | $30.00 – $1,078.19 |
| Banner Casa Grande Medical Center | Casa Grande | $302.15 | $30.00 – $980.17 |
| Banner Del Webb Medical Center | Sun City West | $302.80 | $30.00 – $1,078.19 |