Surgical pathology level 4 gross & microscopic examination at Banner Estrella Medical Center
9201 West Thomas Road, Phoenix, AZ · Banner Health · · NPI 1275566200
$125.48
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.
$508.00
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.
$36.08 with Arizona Physicians IPA vs $292.43 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 |
|---|---|---|---|
| Arizona Physicians IPA | Medicaid | $36.08 | ↓ -71% |
| Health Net | Medicaid | $36.08 | ↓ -71% |
| Health Choice Arizona, Inc. | Medicaid | $36.08 | ↓ -71% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $36.08 | ↓ -71% |
| Mercy Care | Mercy Medicaid | $36.08 | ↓ -71% |
| Health Net | Medicare | $56.95 | ↓ -55% |
| United Healthcare | UHC Medicare Advantage | $56.95 | ↓ -55% |
| UPMC Health Plan | Medicare Advantage | $56.95 | ↓ -55% |
| TriWest Healthcare Alliance Corp - VA CCN | VA Community Care Network | $56.95 | ↓ -55% |
| Kaiser Foundation Health Plan | Medicare Advantage | $56.95 | ↓ -55% |
| Health Choice Arizona, Inc. | Medicare Advantage | $56.95 | ↓ -55% |
| Blue Cross Blue Shield of Arizona | Medicare Advantage | $56.95 | ↓ -55% |
| Banner Health | Medicare Advantage | $56.95 | ↓ -55% |
| Aetna | Medicare Advantage | $56.95 | ↓ -55% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plans | $56.95 | ↓ -55% |
| Banner University Health Plan | University Care Advantage | $56.95 | ↓ -55% |
| Care 1st | Medicare Advantage | $56.95 | ↓ -55% |
| Gila River Health Care Corporation | Managed Care Program | $56.95 | ↓ -55% |
| Humana | Medicare Advantage | $56.95 | ↓ -55% |
| Arizona Physicians IPA | Medicare Advantage | $56.95 | ↓ -55% |
| Wellpoint | Medicare Advantage HMO | $56.95 | ↓ -55% |
| Mercy Care | Mercy Care Advantage | $56.95 | ↓ -55% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $56.95 | ↓ -55% |
| Carelon | Medicare Advantage | $59.80 | ↓ -52% |
| Devoted Health Services | Medicare Advantage | $59.80 | ↓ -52% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $60.75 | ↓ -52% |
| Gold Kidney Health Plan | Medicare Advantage | $62.65 | ↓ -50% |
| Arizona Priority Care | Medicare Advantage | $62.65 | ↓ -50% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $67.50 | ↓ -46% |
| NaphCare | Federal Prison System | $76.88 | ↓ -39% |
| Aetna | Qualified Health Plan | $77.45 | ↓ -38% |
| United Healthcare | Individual Exchange | $79.73 | ↓ -36% |
| Health Net | Commerical Exchange Product | $84.29 | ↓ -33% |
| Health Choice Arizona, Inc. | ACA Health Plan | $85.42 | ↓ -32% |
| United Healthcare | UHC Doctor's Plan | $92.03 | ↓ -27% |
| Oscar Health Plan | Commercial | $93.97 | ↓ -25% |
| United Healthcare | UHC Core | $103.78 | ↓ -17% |
| United Healthcare | Commercial | $111.96 | ↓ -11% |
| Aetna | Banner Employee Plans | $126.34 | ↑ +1% |
| Hospice of the Valley | Medicare | $131.60 | ↑ +5% |
| Blue Cross Blue Shield of Arizona | BCBSAZ MaricopaFocus | $141.18 | ↑ +13% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $141.18 | ↑ +13% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $150.59 | ↑ +20% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $158.12 | ↑ +26% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $169.20 | ↑ +35% |
| Plotkin Health | Plotkin Health | $169.20 | ↑ +35% |
| Blue Cross Blue Shield of Arizona | Medicare Supplemental Senior Preferred | $188.23 | ↑ +50% |
| Blue Cross Blue Shield of Arizona | Commercial | $188.23 | ↑ +50% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $188.23 | ↑ +50% |
| Aetna | Medical Rental | $198.15 | ↑ +58% |
| Quiktrip Corporation | Commercial | $203.04 | ↑ +62% |
| Aetna | Joint Venture | $233.92 | ↑ +86% |
| Aetna | Designated Group | $248.55 | ↑ +98% |
| Arizona Medical Network | Commercial | $263.20 | ↑ +110% |
| Provider Network of America | Commercial | $282.00 | ↑ +125% |
| Aetna | Broad Network | $292.43 | ↑ +133% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
Surgical pathology level 4 gross & microscopic examination at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $141.22 | $36.08 – $282.00 |
| Arizona General Hospital Laveen | Phoenix | $961.58 | $30.97 – $1,032.69 |
| St. Joseph’s Hospital and Medical Center | Phoenix | $460.70 | $21.68 – $925.09 |
| Mercy Gilbert Medical Center | Gilbert | $1,002.95 | $31.92 – $175.56 |
| Banner University Medical Center Tucson | Tucson | $71.02 | $36.08 – $127.20 |
| Banner University Medical Center South | Tucson | $75.31 | $36.08 – $127.20 |
| Banner Baywood Medical Center | Mesa | $111.76 | $36.08 – $282.00 |
| Banner Boswell Medical Center | Sun City | $111.25 | $36.08 – $300.80 |