Pt evaluation moderate complexity patient/family at Banner Estrella Medical Center
9201 West Thomas Road, Phoenix, AZ · Banner Health · · NPI 1275566200
$79.23
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.
$417.00
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.
$81.00 with Aetna vs $529.89 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 |
|---|---|---|---|
| Aetna | Banner Employee Plans | $81.00 | ↑ +2% |
| Aetna | Medicare Advantage | $83.40 | ↑ +5% |
| Arizona Physicians IPA | Medicaid | $89.66 | ↑ +13% |
| Health Net | Medicaid | $89.66 | ↑ +13% |
| Mercy Care | Mercy Medicaid | $89.66 | ↑ +13% |
| Aetna | Qualified Health Plan | $105.92 | ↑ +34% |
| Health Choice Arizona, Inc. | Medicare Advantage | $125.10 | ↑ +58% |
| Hospice of the Valley | Medicare | $145.95 | ↑ +84% |
| Arizona Priority Care | Medicare Advantage | $166.80 | ↑ +111% |
| Plotkin Health | Plotkin Health | $187.65 | ↑ +137% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $187.65 | ↑ +137% |
| Aetna | Joint Venture | $192.65 | ↑ +143% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $203.00 | ↑ +156% |
| Aetna | Designated Group | $204.75 | ↑ +158% |
| Health Choice Arizona, Inc. | ACA Health Plan | $208.50 | ↑ +163% |
| Oscar Health Plan | Commercial | $208.50 | ↑ +163% |
| Health Net | Medicare | $208.50 | ↑ +163% |
| Aetna | Medical Rental | $219.76 | ↑ +177% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $225.00 | ↑ +184% |
| Quiktrip Corporation | Commercial | $225.18 | ↑ +184% |
| Health Net | Commerical Exchange Product | $225.18 | ↑ +184% |
| Aetna | Broad Network | $240.61 | ↑ +204% |
| United Healthcare | UHC Doctor's Plan | $241.00 | ↑ +204% |
| United Healthcare | UHC Core | $252.00 | ↑ +218% |
| United Healthcare | Commercial | $265.00 | ↑ +234% |
| Arizona Medical Network | Commercial | $291.90 | ↑ +268% |
| Provider Network of America | Commercial | $312.75 | ↑ +295% |
| Blue Cross Blue Shield of Arizona | BCBSAZ MaricopaFocus | $397.42 | ↑ +402% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $397.42 | ↑ +402% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $423.91 | ↑ +435% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $445.11 | ↑ +462% |
| Blue Cross Blue Shield of Arizona | Medicare Supplemental Senior Preferred | $529.89 | ↑ +569% |
| Blue Cross Blue Shield of Arizona | Commercial | $529.89 | ↑ +569% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $529.89 | ↑ +569% |
Visitor-reported prices
Comments
Pt evaluation moderate complexity patient/family at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $72.56 | $81.00 – $312.75 |
| Arizona General Hospital Laveen | Phoenix | $121.60 | $106.21 – $433.83 |
| St. Joseph’s Hospital and Medical Center | Phoenix | $203.23 | $101.08 – $420.28 |
| Banner University Medical Center Tucson | Tucson | $55.08 | $49.40 – $339.06 |
| Banner University Medical Center South | Tucson | $41.99 | $49.40 – $268.00 |
| Banner Baywood Medical Center | Mesa | $92.99 | $81.00 – $397.42 |
| Banner Boswell Medical Center | Sun City | $87.99 | $81.00 – $333.60 |
| Banner Casa Grande Medical Center | Casa Grande | $97.16 | $81.00 – $312.75 |