Echo exam of fetal heart at Banner Estrella Medical Center
9201 West Thomas Road, Phoenix, AZ · Banner Health · · NPI 1275566200
$575.11
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.
$1,445.00
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 Mercy Care vs $1,083.75 with Provider Network of America — 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 Medicaid | $350.10 | ↓ -39% |
| Arizona Physicians IPA | Medicaid | $350.10 | ↓ -39% |
| Health Net | Medicaid | $350.10 | ↓ -39% |
| Health Choice Arizona, Inc. | Medicaid | $350.10 | ↓ -39% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $350.10 | ↓ -39% |
| Aetna | Banner Employee Plans | $485.52 | ↓ -16% |
| Hospice of the Valley | Medicare | $505.75 | ↓ -12% |
| Blue Cross Blue Shield of Arizona | Medicare Advantage | $584.39 | ↑ +2% |
| Gila River Health Care Corporation | Managed Care Program | $584.39 | ↑ +2% |
| Humana | Medicare Advantage | $584.39 | ↑ +2% |
| United Healthcare | UHC Medicare Advantage | $584.39 | ↑ +2% |
| UPMC Health Plan | Medicare Advantage | $584.39 | ↑ +2% |
| Care 1st | Medicare Advantage | $584.39 | ↑ +2% |
| Banner University Health Plan | University Care Advantage | $584.39 | ↑ +2% |
| Mercy Care | Mercy Care Advantage | $584.39 | ↑ +2% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $584.39 | ↑ +2% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plans | $584.39 | ↑ +2% |
| Aetna | Medicare Advantage | $584.39 | ↑ +2% |
| Banner Health | Medicare Advantage | $584.39 | ↑ +2% |
| Health Choice Arizona, Inc. | Medicare Advantage | $584.39 | ↑ +2% |
| Kaiser Foundation Health Plan | Medicare Advantage | $584.39 | ↑ +2% |
| TriWest Healthcare Alliance Corp - VA CCN | VA Community Care Network | $584.39 | ↑ +2% |
| Health Net | Medicare | $584.39 | ↑ +2% |
| Wellpoint | Medicare Advantage HMO | $584.39 | ↑ +2% |
| Arizona Physicians IPA | Medicare Advantage | $584.39 | ↑ +2% |
| Carelon | Medicare Advantage | $613.61 | ↑ +7% |
| Devoted Health Services | Medicare Advantage | $613.61 | ↑ +7% |
| Gold Kidney Health Plan | Medicare Advantage | $642.83 | ↑ +12% |
| Arizona Priority Care | Medicare Advantage | $642.83 | ↑ +12% |
| Plotkin Health | Plotkin Health | $650.25 | ↑ +13% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $650.25 | ↑ +13% |
| Aetna | Joint Venture | $667.59 | ↑ +16% |
| Aetna | Designated Group | $709.50 | ↑ +23% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $737.19 | ↑ +28% |
| Blue Cross Blue Shield of Arizona | BCBSAZ MaricopaFocus | $737.19 | ↑ +28% |
| Aetna | Medical Rental | $761.51 | ↑ +32% |
| Quiktrip Corporation | Commercial | $780.30 | ↑ +36% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $786.33 | ↑ +37% |
| NaphCare | Federal Prison System | $788.93 | ↑ +37% |
| Aetna | Qualified Health Plan | $794.77 | ↑ +38% |
| United Healthcare | Individual Exchange | $818.15 | ↑ +42% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $825.64 | ↑ +44% |
| Aetna | Broad Network | $833.76 | ↑ +45% |
| Health Net | Commerical Exchange Product | $864.90 | ↑ +50% |
| Health Choice Arizona, Inc. | ACA Health Plan | $876.59 | ↑ +52% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $949.37 | ↑ +65% |
| Oscar Health Plan | Commercial | $964.24 | ↑ +68% |
| Blue Cross Blue Shield of Arizona | Commercial | $982.92 | ↑ +71% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $982.92 | ↑ +71% |
| Blue Cross Blue Shield of Arizona | Medicare Supplemental Senior Preferred | $982.92 | ↑ +71% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $992.72 | ↑ +73% |
| Arizona Medical Network | Commercial | $1,011.50 | ↑ +76% |
| Provider Network of America | Commercial | $1,083.75 | ↑ +88% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
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Echo exam of fetal heart at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $504.30 | $286.80 – $1,083.75 |
| St. Joseph’s Hospital and Medical Center | Phoenix | $843.84 | $275.01 – $1,745.11 |
| Banner Baywood Medical Center | Mesa | $462.40 | $350.10 – $1,083.75 |
| Banner Desert Medical Center | Mesa | $627.13 | $350.10 – $1,083.75 |
| Banner Ironwood Medical Center | San Tan Valley | $606.90 | $350.10 – $1,083.75 |
| Banner Gateway Medical Center | Gilbert | $499.97 | $350.10 – $1,083.75 |
| Banner Goldfield Medical Center | Apache Junction | $257.21 | $350.10 – $1,083.75 |
| Banner Payson Medical Center | Payson | $317.86 | $210.01 – $464.40 |