St analysis behavior qualitative voice/resonance at Banner Estrella Medical Center
9201 West Thomas Road, Phoenix, AZ · Banner Health · · NPI 1275566200
$62.26
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.
$566.00
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 $701.79 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 | ↑ +30% |
| Aetna | Medicare Advantage | $113.20 | ↑ +82% |
| Health Net | Medicaid | $121.69 | ↑ +95% |
| Mercy Care | Mercy Medicaid | $121.69 | ↑ +95% |
| Arizona Physicians IPA | Medicaid | $121.69 | ↑ +95% |
| Aetna | Qualified Health Plan | $143.76 | ↑ +131% |
| Health Choice Arizona, Inc. | Medicare Advantage | $169.80 | ↑ +173% |
| Hospice of the Valley | Medicare | $198.10 | ↑ +218% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $203.00 | ↑ +226% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $225.00 | ↑ +261% |
| Arizona Priority Care | Medicare Advantage | $226.40 | ↑ +264% |
| United Healthcare | UHC Doctor's Plan | $241.00 | ↑ +287% |
| United Healthcare | UHC Core | $252.00 | ↑ +305% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $254.70 | ↑ +309% |
| Plotkin Health | Plotkin Health | $254.70 | ↑ +309% |
| Aetna | Joint Venture | $261.49 | ↑ +320% |
| United Healthcare | Commercial | $265.00 | ↑ +326% |
| Aetna | Designated Group | $277.91 | ↑ +346% |
| Health Choice Arizona, Inc. | ACA Health Plan | $283.00 | ↑ +355% |
| Health Net | Medicare | $283.00 | ↑ +355% |
| Oscar Health Plan | Commercial | $283.00 | ↑ +355% |
| Aetna | Medical Rental | $298.28 | ↑ +379% |
| Health Net | Commerical Exchange Product | $305.64 | ↑ +391% |
| Quiktrip Corporation | Commercial | $305.64 | ↑ +391% |
| Aetna | Broad Network | $326.58 | ↑ +425% |
| Arizona Medical Network | Commercial | $396.20 | ↑ +536% |
| Provider Network of America | Commercial | $424.50 | ↑ +582% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $526.35 | ↑ +745% |
| Blue Cross Blue Shield of Arizona | BCBSAZ MaricopaFocus | $526.35 | ↑ +745% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $561.44 | ↑ +802% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $589.50 | ↑ +847% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $701.79 | ↑ +1027% |
| Blue Cross Blue Shield of Arizona | Commercial | $701.79 | ↑ +1027% |
| Blue Cross Blue Shield of Arizona | Medicare Supplemental Senior Preferred | $701.79 | ↑ +1027% |
Visitor-reported prices
Comments
St analysis behavior qualitative voice/resonance at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $93.39 | $81.00 – $424.50 |
| Arizona General Hospital Laveen | Phoenix | $125.95 | $116.23 – $449.35 |
| St. Joseph’s Hospital and Medical Center | Phoenix | $210.10 | $104.50 – $434.50 |
| Banner University Medical Center Tucson | Tucson | $119.76 | $81.00 – $449.06 |
| Banner University Medical Center South | Tucson | $68.04 | $81.00 – $372.80 |
| Banner Baywood Medical Center | Mesa | $112.07 | $81.00 – $526.35 |
| Banner Boswell Medical Center | Sun City | $100.75 | $81.00 – $452.80 |
| Banner Casa Grande Medical Center | Casa Grande | $43.58 | $81.00 – $424.50 |