Biopsy of heart lining at Banner Estrella Medical Center
9201 West Thomas Road, Phoenix, AZ · Banner Health · · NPI 1275566200
$1,842.40
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.
$5,600.00
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.
$1,960.00 with Hospice of the Valley vs $15,273.13 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 |
|---|---|---|---|
| Hospice of the Valley | Medicare | $1,960.00 | ↑ +6% |
| Arizona Physicians IPA | Medicaid | $2,074.70 | ↑ +13% |
| Health Choice Arizona, Inc. | Medicaid | $2,074.70 | ↑ +13% |
| Health Net | Medicaid | $2,074.70 | ↑ +13% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $2,074.70 | ↑ +13% |
| Mercy Care | Mercy Medicaid | $2,074.70 | ↑ +13% |
| Plotkin Health | Plotkin Health | $2,520.00 | ↑ +37% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $2,520.00 | ↑ +37% |
| United Healthcare | UHC Doctor's Plan | $2,716.00 | ↑ +47% |
| United Healthcare | UHC Core | $2,839.20 | ↑ +54% |
| Aetna | Medical Rental | $2,951.20 | ↑ +60% |
| United Healthcare | Commercial | $2,990.40 | ↑ +62% |
| Quiktrip Corporation | Commercial | $3,024.00 | ↑ +64% |
| Banner University Health Plan | University Care Advantage | $3,354.67 | ↑ +82% |
| TriWest Healthcare Alliance Corp - VA CCN | VA Community Care Network | $3,354.67 | ↑ +82% |
| Health Choice Arizona, Inc. | Medicare Advantage | $3,354.67 | ↑ +82% |
| Banner Health | Medicare Advantage | $3,354.67 | ↑ +82% |
| Arizona Physicians IPA | Medicare Advantage | $3,354.67 | ↑ +82% |
| Aetna | Medicare Advantage | $3,354.67 | ↑ +82% |
| Mercy Care | Mercy Care Advantage | $3,354.67 | ↑ +82% |
| Blue Cross Blue Shield of Arizona | Medicare Advantage | $3,354.67 | ↑ +82% |
| Kaiser Foundation Health Plan | Medicare Advantage | $3,354.67 | ↑ +82% |
| Care 1st | Medicare Advantage | $3,354.67 | ↑ +82% |
| Wellpoint | Medicare Advantage HMO | $3,354.67 | ↑ +82% |
| Humana | Medicare Advantage | $3,354.67 | ↑ +82% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plans | $3,354.67 | ↑ +82% |
| United Healthcare | UHC Medicare Advantage | $3,354.67 | ↑ +82% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $3,354.67 | ↑ +82% |
| Health Net | Medicare | $3,354.67 | ↑ +82% |
| Gila River Health Care Corporation | Managed Care Program | $3,354.67 | ↑ +82% |
| UPMC Health Plan | Medicare Advantage | $3,354.67 | ↑ +82% |
| Devoted Health Services | Medicare Advantage | $3,522.40 | ↑ +91% |
| Carelon | Medicare Advantage | $3,522.40 | ↑ +91% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $3,679.20 | ↑ +100% |
| Arizona Priority Care | Medicare Advantage | $3,690.14 | ↑ +100% |
| Gold Kidney Health Plan | Medicare Advantage | $3,690.14 | ↑ +100% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $3,847.20 | ↑ +109% |
| Arizona Medical Network | Commercial | $3,920.00 | ↑ +113% |
| Provider Network of America | Commercial | $4,200.00 | ↑ +128% |
| NaphCare | Federal Prison System | $4,528.80 | ↑ +146% |
| Aetna | Qualified Health Plan | $4,562.35 | ↑ +148% |
| United Healthcare | Individual Exchange | $4,696.54 | ↑ +155% |
| Health Net | Commerical Exchange Product | $4,964.91 | ↑ +169% |
| Aetna | Banner Employee Plans | $5,013.00 | ↑ +172% |
| Health Choice Arizona, Inc. | ACA Health Plan | $5,032.01 | ↑ +173% |
| Oscar Health Plan | Commercial | $5,535.21 | ↑ +200% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $11,454.85 | ↑ +522% |
| Blue Cross Blue Shield of Arizona | BCBSAZ MaricopaFocus | $11,454.85 | ↑ +522% |
| Aetna | Joint Venture | $11,883.00 | ↑ +545% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $12,218.51 | ↑ +563% |
| Aetna | Designated Group | $12,626.00 | ↑ +585% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $12,829.33 | ↑ +596% |
| Aetna | Broad Network | $14,854.00 | ↑ +706% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $15,273.13 | ↑ +729% |
| Blue Cross Blue Shield of Arizona | Commercial | $15,273.13 | ↑ +729% |
| Blue Cross Blue Shield of Arizona | Medicare Supplemental Senior Preferred | $15,273.13 | ↑ +729% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
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Biopsy of heart lining at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $6,831.17 | $2,074.70 – $5,535.21 |
| St. Joseph’s Hospital and Medical Center | Phoenix | $3,022.77 | $666.96 – $6,251.27 |
| Mercy Gilbert Medical Center | Gilbert | $2,447.95 | $666.96 – $7,662.27 |
| Banner University Medical Center Tucson | Tucson | $856.87 | $1,421.35 – $5,535.21 |
| Banner University Medical Center South | Tucson | $467.02 | $1,421.35 – $5,535.21 |
| Banner Baywood Medical Center | Mesa | $1,411.54 | $1,960.00 – $12,389.00 |
| Banner Boswell Medical Center | Sun City | $1,103.20 | $1,960.00 – $5,535.21 |
| Banner Desert Medical Center | Mesa | $1,803.20 | $1,960.00 – $5,535.21 |