Kit ipg optimizer smart at Banner Thunderbird Medical Center
5555 West Thunderbird Road, Glendale, AZ · Banner Health · · NPI 1154355188
$46,530.75
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.
$176,923.00
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.
$72.99 with Mercy Care vs $94,476.88 with United Healthcare — 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 Care Advantage/Mercy Care Plan | $72.99 | ↓ -100% |
| Aetna | Medicare Advantage | $13,228.80 | ↓ -72% |
| Blue Cross Blue Shield of Arizona | Medicare Supplemental Senior Preferred | $15,410.00 | ↓ -67% |
| Health Choice Arizona, Inc. | Medicaid | $15,676.13 | ↓ -66% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $15,676.13 | ↓ -66% |
| Arizona Physicians IPA | Medicaid | $15,676.13 | ↓ -66% |
| Health Net | Medicaid | $15,676.13 | ↓ -66% |
| Banner University Health Plan | University Family Plan | $15,676.13 | ↓ -66% |
| Mercy Care | Medicaid | $15,676.13 | ↓ -66% |
| Aetna | Qualified Health Plan | $16,800.58 | ↓ -64% |
| Health Choice Arizona, Inc. | Medicare Advantage | $19,843.20 | ↓ -57% |
| Aetna | Banner Employee Plans | $22,224.38 | ↓ -52% |
| Hospice of the Valley | Medicare | $23,150.40 | ↓ -50% |
| Arizona Priority Care | Alignment Health Plans Medicare Advantage/Eternal Health Plan Medicare/SCAN Health Plan Medicare | $26,457.60 | ↓ -43% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $29,764.80 | ↓ -36% |
| Plotkin Health | Plotkin Health | $29,764.80 | ↓ -36% |
| Aetna | Joint Venture | $30,558.53 | ↓ -34% |
| Aetna | Designated Group | $32,476.70 | ↓ -30% |
| Oscar Health Plan | Commercial | $33,072.00 | ↓ -29% |
| Health Choice Arizona, Inc. | ACA Health Plan | $33,072.00 | ↓ -29% |
| Aetna | Medical Rental | $34,857.89 | ↓ -25% |
| Quiktrip Corporation | Commercial | $35,717.76 | ↓ -23% |
| Health Net | Commerical Exchange Product | $35,717.76 | ↓ -23% |
| Aetna | Broad Network | $38,165.09 | ↓ -18% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $39,609.56 | ↓ -15% |
| Blue Cross Blue Shield of Arizona | BCBSAZ MaricopaFocus | $39,609.56 | ↓ -15% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $42,250.20 | ↓ -9% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $43,456.61 | ↓ -7% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $44,362.38 | ↓ -5% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $45,440.93 | ↓ -2% |
| Arizona Medical Network | Commercial | $46,300.80 | ↓ -0% |
| Provider Network of America | Commercial | $49,608.00 | ↑ +7% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $52,812.75 | ↑ +14% |
| Blue Cross Blue Shield of Arizona | Commercial | $52,812.75 | ↑ +14% |
| United Healthcare | UHC Doctor's Plan | $85,807.65 | ↑ +84% |
| United Healthcare | UHC Core | $89,699.96 | ↑ +93% |
| United Healthcare | Commercial | $94,476.88 | ↑ +103% |
Visitor-reported prices
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Kit ipg optimizer smart at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $50,599.98 | $13,228.80 – $85,807.65 |
| Banner Boswell Medical Center | Sun City | $43,523.06 | $13,228.80 – $85,807.65 |
| Banner Heart Hospital | Mesa | $42,638.44 | $11,773.63 – $85,807.65 |
| St. Joseph’s Hospital and Medical Center | Phoenix | $23,837.95 | $7,942.20 – $44,816.70 |