Consultation pathology during surgery frozen section first tissue block at Banner University Medical Center Phoenix

1111 East Mcdowell Road, Phoenix, AZ · Banner Health · · NPI 1841224870

Source: hospital's published price file ↗ · Published Mar 2, 2026 · Ingested Aug 12, 2026

$101.47

Cash price

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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.

Full explanation →

What you pay up front if you don't use insurance.

$365.00

Gross charge

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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.

Full explanation →

The hospital's undiscounted list price — almost no one pays this.

$62.45 with Blue Cross Blue Shield of Arizona vs $421.14 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 →

Payer
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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
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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
Blue Cross Blue Shield of Arizona Medicare Supplemental Senior Preferred $62.45 ↓ -38%
Cigna Healthcare of Arizona, Inc. LocalFlex $69.25 ↓ -32%
Cigna Healthcare of Arizona, Inc. Commercial $76.95 ↓ -24%
Banner University Health Plan University Family Plan $108.14 ↑ +7%
Health Net Medicaid $108.14 ↑ +7%
Health Choice Arizona, Inc. Medicaid $108.14 ↑ +7%
Arizona Physicians IPA Medicaid $108.14 ↑ +7%
Banner University Health Plan AZ Medicaid - AHCCCS $108.14 ↑ +7%
Mercy Care Medicaid $108.14 ↑ +7%
Aetna Banner Employee Plans $122.64 ↑ +21%
Blue Cross Blue Shield of Arizona BXBSAZ Neighborhood $160.52 ↑ +58%
Plotkin Health Plotkin Health $164.25 ↑ +62%
National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) NHSI VUMI $164.25 ↑ +62%
Blue Cross Blue Shield of Arizona BCBSAZ Alliance/Blue HPN $171.22 ↑ +69%
Blue Cross Blue Shield of Arizona BXBSAZ Alliance CHS $179.78 ↑ +77%
Wellpoint Medicare Advantage HMO $182.64 ↑ +80%
Aetna Medicare Advantage $182.64 ↑ +80%
Arizona Physicians IPA Medicare Advantage $182.64 ↑ +80%
Banner Health Medicare Advantage $182.64 ↑ +80%
Banner University Health Plan Medicare Advantage $182.64 ↑ +80%
Banner University Health Plan University Care Advantage $182.64 ↑ +80%
Blue Cross Blue Shield of Arizona Medicare Advantage $182.64 ↑ +80%
Care 1st Medicare Advantage $182.64 ↑ +80%
Cigna Healthcare of Arizona, Inc. HMO Medicare Advantage Plan $182.64 ↑ +80%
Cigna Healthcare of Arizona, Inc. PPO Medicare Advantage Plan $182.64 ↑ +80%
Gila River Health Care Corporation Managed Care Program $182.64 ↑ +80%
Health Choice Arizona, Inc. Medicare Advantage $182.64 ↑ +80%
Health Net Medicare $182.64 ↑ +80%
Kaiser Foundation Health Plan Medicare Advantage $182.64 ↑ +80%
Mercy Care Mercy Care Advantage $182.64 ↑ +80%
TriWest Healthcare Alliance Corp - VA CCN VA Community Care Network $182.64 ↑ +80%
United Healthcare Medicare Advantage $182.64 ↑ +80%
UPMC Health Plan Medicare Advantage $182.64 ↑ +80%
Humana Medicare Advantage $188.12 ↑ +85%
Devoted Health Services Medicare Advantage $191.77 ↑ +89%
Carelon Medicare Advantage $191.77 ↑ +89%
Aetna Medical Rental $192.35 ↑ +90%
Quiktrip Corporation Commercial $197.10 ↑ +94%
Arizona Priority Care Alignment Health Plans Medicare Advantage/Eternal Health Plan Medicare/SCAN Health Plan Medicare $200.90 ↑ +98%
Gold Kidney Health Plan Medicare Advantage $200.90 ↑ +98%
Blue Cross Blue Shield of Arizona BCBSAZ Workers Comp $214.03 ↑ +111%
Blue Cross Blue Shield of Arizona Commercial $214.03 ↑ +111%
NaphCare Federal $246.56 ↑ +143%
Aetna Qualified Health Plan $248.39 ↑ +145%
Arizona Medical Network Commercial $255.50 ↑ +152%
United Healthcare Individual Exchange $255.70 ↑ +152%
Health Net Commerical Exchange Product $270.31 ↑ +166%
Provider Network of America Commercial $273.75 ↑ +170%
Health Choice Arizona, Inc. ACA Health Plan $273.96 ↑ +170%
United Healthcare UHC Doctor's Plan $275.89 ↑ +172%
Oscar Health Plan Commercial $301.36 ↑ +197%
United Healthcare UHC Core $311.48 ↑ +207%
United Healthcare Commercial $335.61 ↑ +231%
Aetna Joint Venture $336.87 ↑ +232%
Aetna Designated Group $357.94 ↑ +253%
Aetna Broad Network $421.14 ↑ +315%
TriWest Healthcare Alliance Corp - VA CCN Tricare not published by hospital

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Consultation pathology during surgery frozen section first tissue block at other Arizona hospitals

Hospital City Cash price Negotiated range
Banner Estrella Medical Center Phoenix $90.16 $69.25 – $301.36
Arizona General Hospital Laveen Phoenix $150.23 $97.64 – $535.96
St. Joseph’s Hospital and Medical Center Phoenix $287.65 $68.35 – $594.87
Mercy Gilbert Medical Center Gilbert $179.83 $86.69 – $562.87
Banner University Medical Center Tucson Tucson $96.73 $76.95 – $301.36
Banner University Medical Center South Tucson $102.57 $76.95 – $301.36
Banner Baywood Medical Center Mesa $80.30 $69.25 – $301.36
Banner Boswell Medical Center Sun City $79.94 $69.25 – $301.36

All Arizona hospitals for this procedure →