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Established Patient Office Visit (level 2) at Banner University Medical Center Phoenix
1111 East Mcdowell Road, Phoenix, AZ · Banner Health · · NPI 1841224870
$559.34
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.
$735.00
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.
$43.00 with Aetna vs $424.10 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 | $43.00 | ↓ -92% |
| Aetna | Qualified Health Plan | $48.38 | ↓ -91% |
| Arizona Physicians IPA | Medicaid | $54.54 | ↓ -90% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $54.54 | ↓ -90% |
| Banner University Health Plan | University Family Plan | $54.54 | ↓ -90% |
| Health Choice Arizona, Inc. | Medicaid | $54.54 | ↓ -90% |
| Health Net | Medicaid | $54.54 | ↓ -90% |
| Mercy Care | Medicaid | $54.54 | ↓ -90% |
| Health Choice Arizona, Inc. | Medicare Advantage | $64.50 | ↓ -88% |
| Arizona Priority Care | Alignment Health Plans Medicare Advantage/Eternal Health Plan Medicare/SCAN Health Plan Medicare | $86.00 | ↓ -85% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $96.75 | ↓ -83% |
| Plotkin Health | Plotkin Health | $96.75 | ↓ -83% |
| United Healthcare | UHC Doctor's Plan | $104.28 | ↓ -81% |
| Health Choice Arizona, Inc. | ACA Health Plan | $107.50 | ↓ -81% |
| Health Net | Medicare | $107.50 | ↓ -81% |
| Oscar Health Plan | Commercial | $107.50 | ↓ -81% |
| United Healthcare | UHC Core | $109.00 | ↓ -81% |
| Aetna | Medical Rental | $113.31 | ↓ -80% |
| United Healthcare | Commercial | $114.81 | ↓ -79% |
| Health Net | Commerical Exchange Product | $116.10 | ↓ -79% |
| Quiktrip Corporation | Commercial | $116.10 | ↓ -79% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $141.25 | ↓ -75% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $147.71 | ↓ -74% |
| Arizona Medical Network | Commercial | $150.50 | ↓ -73% |
| Provider Network of America | Commercial | $161.25 | ↓ -71% |
| Aetna | Banner Employee Plans | $246.96 | ↓ -56% |
| Aetna | Joint Venture | $339.57 | ↓ -39% |
| Aetna | Designated Group | $360.88 | ↓ -35% |
| Aetna | Broad Network | $424.10 | ↓ -24% |
Visitor-reported prices
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Established Patient Office Visit (level 2) at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Estrella Medical Center | Phoenix | $572.57 | $43.00 – $161.25 |
| Banner University Medical Center Tucson | Tucson | $521.12 | $35.00 – $140.00 |
| Banner University Medical Center South | Tucson | $58.98 | $35.00 – $140.00 |
| Banner Baywood Medical Center | Mesa | $201.46 | $12.00 – $54.54 |
| Banner Boswell Medical Center | Sun City | $51.85 | $43.00 – $172.00 |
| Banner Casa Grande Medical Center | Casa Grande | $398.37 | $12.00 – $54.54 |
| Banner Del Webb Medical Center | Sun City West | $531.40 | $43.00 – $172.00 |
| Banner Desert Medical Center | Mesa | $549.04 | $43.00 – $161.25 |