healthcosts.net
Knee MRI (with contrast) at Banner Estrella Medical Center
9201 West Thomas Road, Phoenix, AZ · Banner Health · · NPI 1275566200
$562.09
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.
$2,974.00
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.
$487.00 with Aetna vs $3,620.61 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 |
|---|---|---|---|
| Aetna | Banner Employee Plans | $487.00 | ↓ -13% |
| Mercy Care | Mercy Medicaid | $518.51 | ↓ -8% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $518.51 | ↓ -8% |
| Health Net | Medicaid | $518.51 | ↓ -8% |
| Health Choice Arizona, Inc. | Medicaid | $518.51 | ↓ -8% |
| Arizona Physicians IPA | Medicaid | $518.51 | ↓ -8% |
| Aetna | Medicare Advantage | $594.80 | ↑ +6% |
| Aetna | Qualified Health Plan | $755.40 | ↑ +34% |
| Health Choice Arizona, Inc. | Medicare Advantage | $892.20 | ↑ +59% |
| Aetna | Joint Venture | $990.00 | ↑ +76% |
| Hospice of the Valley | Medicare | $1,040.90 | ↑ +85% |
| Aetna | Designated Group | $1,052.00 | ↑ +87% |
| Arizona Priority Care | Medicare Advantage | $1,189.60 | ↑ +112% |
| Aetna | Broad Network | $1,238.00 | ↑ +120% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $1,316.22 | ↑ +134% |
| Blue Cross Blue Shield of Arizona | BCBSAZ MaricopaFocus | $1,316.22 | ↑ +134% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $1,338.30 | ↑ +138% |
| Plotkin Health | Plotkin Health | $1,338.30 | ↑ +138% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $1,346.00 | ↑ +139% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $1,403.97 | ↑ +150% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $1,474.16 | ↑ +162% |
| Oscar Health Plan | Commercial | $1,487.00 | ↑ +165% |
| Health Net | Medicare | $1,487.00 | ↑ +165% |
| Health Choice Arizona, Inc. | ACA Health Plan | $1,487.00 | ↑ +165% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $1,496.00 | ↑ +166% |
| Aetna | Medical Rental | $1,567.30 | ↑ +179% |
| Health Net | Commerical Exchange Product | $1,605.96 | ↑ +186% |
| Quiktrip Corporation | Commercial | $1,605.96 | ↑ +186% |
| Blue Cross Blue Shield of Arizona | Commercial | $1,754.96 | ↑ +212% |
| Blue Cross Blue Shield of Arizona | Medicare Supplemental Senior Preferred | $1,754.96 | ↑ +212% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $1,754.96 | ↑ +212% |
| Arizona Medical Network | Commercial | $2,081.80 | ↑ +270% |
| Provider Network of America | Commercial | $2,230.50 | ↑ +297% |
| United Healthcare | UHC Doctor's Plan | $3,070.63 | ↑ +446% |
| United Healthcare | UHC Core | $3,346.17 | ↑ +495% |
| United Healthcare | Commercial | $3,620.61 | ↑ +544% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
Knee MRI (with contrast) at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $571.01 | $487.00 – $2,230.50 |
| Banner University Medical Center Tucson | Tucson | $857.10 | $487.00 – $3,706.40 |
| Banner University Medical Center South | Tucson | $732.01 | $487.00 – $3,706.40 |
| Banner Baywood Medical Center | Mesa | $526.40 | $487.00 – $3,070.63 |
| Banner Boswell Medical Center | Sun City | $437.18 | $487.00 – $3,070.63 |
| Banner Casa Grande Medical Center | Casa Grande | $588.85 | $487.00 – $2,947.19 |
| Banner Del Webb Medical Center | Sun City West | $440.15 | $487.00 – $3,070.63 |
| Banner Desert Medical Center | Mesa | $719.71 | $487.00 – $2,230.50 |