Echo stress at Banner Payson Medical Center
807 South Ponderosa Street, Payson, AZ · Banner Health · · NPI 1063923340
$557.00
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.
$1,065.00
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.
$350.10 with Health Net vs $1,161.55 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 |
|---|---|---|---|
| Health Net | Medicaid | $350.10 | ↓ -37% |
| Mercy Care | Mercy Medicaid | $350.10 | ↓ -37% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $350.10 | ↓ -37% |
| Health Choice Arizona, Inc. | Medicaid | $350.10 | ↓ -37% |
| Arizona Physicians IPA | Medicaid | $350.10 | ↓ -37% |
| Aetna | Banner Employee Plans | $433.45 | ↓ -22% |
| Arizona Physicians IPA | Medicare Advantage | $436.65 | ↓ -22% |
| Gila River Health Care Corporation | Managed Care Program | $436.65 | ↓ -22% |
| United Healthcare | UHC Medicare Advantage | $436.65 | ↓ -22% |
| UPMC Health Plan | Medicare Advantage | $436.65 | ↓ -22% |
| Blue Cross Blue Shield of Arizona | Medicare Advantage | $436.65 | ↓ -22% |
| Banner University Health Plan | Medicare Advantage | $436.65 | ↓ -22% |
| Mercy Care | Mercy Care Advantage | $436.65 | ↓ -22% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plan/PPO Medicare Advantage Plan | $436.65 | ↓ -22% |
| Aetna | Medicare Advantage | $436.65 | ↓ -22% |
| Banner Health | Medicare Advantage | $436.65 | ↓ -22% |
| Health Choice Arizona, Inc. | Medicare Advantage | $436.65 | ↓ -22% |
| Kaiser Foundation Health Plan | Medicare Advantage | $436.65 | ↓ -22% |
| TriWest Healthcare Alliance Corp - VA CCN | VA Community Care Network | $436.65 | ↓ -22% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | $436.65 | ↓ -22% |
| Health Net | Medicare | $436.65 | ↓ -22% |
| Wellpoint | Medicare Advantage HMO | $436.65 | ↓ -22% |
| Care 1st | Medicare Advantage | $436.65 | ↓ -22% |
| Carelon | Medicare Advantage | $458.48 | ↓ -18% |
| Humana | Medicare Advantage | $462.85 | ↓ -17% |
| Plotkin Health | Plotkin Health | $479.25 | ↓ -14% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $479.25 | ↓ -14% |
| Gold Kidney Health Plan | Medicare Advantage | $480.31 | ↓ -14% |
| Arizona Priority Care | Medicare Advantage | $480.31 | ↓ -14% |
| Devoted Health Services | Medicare Advantage | $480.31 | ↓ -14% |
| Aetna | Joint Venture | $564.45 | ↑ +1% |
| Aetna | Aetna Qualified Health Plan | $594.27 | ↑ +7% |
| Health Choice Arizona, Inc. | ACA Health Plan | $623.02 | ↑ +12% |
| Health Net | Commerical Exchange Product | $646.24 | ↑ +16% |
| Aetna | Medical Rental | $684.79 | ↑ +23% |
| Aetna | Broad Network | $705.03 | ↑ +27% |
| United Healthcare | UHC Individual Exchange | $713.55 | ↑ +28% |
| Oscar Health Plan | Commercial | $720.47 | ↑ +29% |
| Quiktrip Corporation | Commercial | $745.50 | ↑ +34% |
| Cigna Healthcare of Arizona, Inc. | Commerical/HMO Benefit Plan/Local Flex Plan/Network Benefit Plan/Open Access Plan | $847.74 | ↑ +52% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $871.16 | ↑ +56% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $929.24 | ↑ +67% |
| Arizona Medical Network | Commercial | $958.50 | ↑ +72% |
| Provider Network of America | Commercial | $958.50 | ↑ +72% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $975.70 | ↑ +75% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Medicare | $1,109.43 | ↑ +99% |
| Blue Cross Blue Shield of Arizona | Commercial | $1,161.55 | ↑ +109% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $1,161.55 | ↑ +109% |
Visitor-reported prices
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Echo stress at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $482.90 | $328.40 – $1,472.25 |
| Banner University Medical Center Tucson | Tucson | $419.12 | $275.95 – $1,612.00 |
| Banner University Medical Center South | Tucson | $574.28 | $275.95 – $1,612.00 |
| Banner Baywood Medical Center | Mesa | $420.08 | $350.10 – $1,472.25 |
| Banner Boswell Medical Center | Sun City | $382.79 | $350.10 – $1,570.40 |
| Banner Casa Grande Medical Center | Casa Grande | $345.49 | $275.95 – $1,472.25 |
| Banner Del Webb Medical Center | Sun City West | $410.27 | $328.40 – $1,570.40 |
| Banner Desert Medical Center | Mesa | $480.94 | $350.10 – $1,472.25 |