healthcosts.net
New Patient Office Visit (level 2) at Banner Estrella Medical Center
9201 West Thomas Road, Phoenix, AZ · Banner Health · · NPI 1275566200
$1,149.03
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.
$1,475.00
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.
$32.00 with Aetna vs $444.29 with Aetna — 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 | Medicare Advantage | $32.00 | ↓ -97% |
| Aetna | Qualified Health Plan | $40.64 | ↓ -96% |
| Health Choice Arizona, Inc. | Medicare Advantage | $48.00 | ↓ -96% |
| Arizona Physicians IPA | Medicaid | $54.54 | ↓ -95% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $54.54 | ↓ -95% |
| Health Choice Arizona, Inc. | Medicaid | $54.54 | ↓ -95% |
| Health Net | Medicaid | $54.54 | ↓ -95% |
| Mercy Care | Mercy Medicaid | $54.54 | ↓ -95% |
| Hospice of the Valley | Medicare | $56.00 | ↓ -95% |
| Arizona Priority Care | Medicare Advantage | $64.00 | ↓ -94% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $72.00 | ↓ -94% |
| Plotkin Health | Plotkin Health | $72.00 | ↓ -94% |
| United Healthcare | UHC Doctor's Plan | $77.60 | ↓ -93% |
| Health Choice Arizona, Inc. | ACA Health Plan | $80.00 | ↓ -93% |
| Oscar Health Plan | Commercial | $80.00 | ↓ -93% |
| United Healthcare | UHC Core | $81.12 | ↓ -93% |
| Aetna | Medical Rental | $84.32 | ↓ -93% |
| United Healthcare | Commercial | $85.44 | ↓ -93% |
| Quiktrip Corporation | Commercial | $86.40 | ↓ -92% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $105.12 | ↓ -91% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $109.92 | ↓ -90% |
| Arizona Medical Network | Commercial | $112.00 | ↓ -90% |
| Provider Network of America | Commercial | $120.00 | ↓ -90% |
| Aetna | Banner Employee Plans | $258.72 | ↓ -77% |
| Aetna | Joint Venture | $355.74 | ↓ -69% |
| Aetna | Designated Group | $378.07 | ↓ -67% |
| Health Net | Medicare | $385.00 | ↓ -66% |
| Health Net | Commerical Exchange Product | $415.80 | ↓ -64% |
| Aetna | Broad Network | $444.29 | ↓ -61% |
Visitor-reported prices
Comments
New Patient Office Visit (level 2) at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $1,122.47 | $32.00 – $120.00 |
| Banner University Medical Center Tucson | Tucson | $1,045.77 | $32.00 – $128.00 |
| Banner University Medical Center South | Tucson | $64.03 | $32.00 – $128.00 |
| Banner Baywood Medical Center | Mesa | $252.99 | $10.00 – $54.54 |
| Banner Boswell Medical Center | Sun City | $65.11 | $32.00 – $128.00 |
| Banner Casa Grande Medical Center | Casa Grande | $799.45 | $10.00 – $54.54 |
| Banner Del Webb Medical Center | Sun City West | $1,066.42 | $32.00 – $128.00 |
| Banner Desert Medical Center | Mesa | $1,101.83 | $32.00 – $120.00 |