Fern test at Banner University Medical Center Phoenix
1111 East Mcdowell Road, Phoenix, AZ · Banner Health · · NPI 1841224870
$10.56
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.
$66.00
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.
$9.74 with Care 1st vs $61.42 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 |
|---|---|---|---|
| Care 1st | Medicare Advantage | $9.74 | ↓ -8% |
| Gila River Health Care Corporation | Managed Care Program | $9.74 | ↓ -8% |
| United Healthcare | Medicare Advantage | $9.74 | ↓ -8% |
| UPMC Health Plan | Medicare Advantage | $9.74 | ↓ -8% |
| Blue Cross Blue Shield of Arizona | Medicare Advantage | $9.74 | ↓ -8% |
| Banner University Health Plan | University Family Plan | $9.74 | ↓ -8% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $9.74 | ↓ -8% |
| Banner University Health Plan | University Care Advantage | $9.74 | ↓ -8% |
| Banner University Health Plan | Medicare Advantage | $9.74 | ↓ -8% |
| Mercy Care | Medicaid | $9.74 | ↓ -8% |
| Mercy Care | Mercy Care Advantage | $9.74 | ↓ -8% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $9.74 | ↓ -8% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plan | $9.74 | ↓ -8% |
| Aetna | Medicare Advantage | $9.74 | ↓ -8% |
| Banner Health | Medicare Advantage | $9.74 | ↓ -8% |
| Health Choice Arizona, Inc. | Medicaid | $9.74 | ↓ -8% |
| Health Choice Arizona, Inc. | Medicare Advantage | $9.74 | ↓ -8% |
| Kaiser Foundation Health Plan | Medicare Advantage | $9.74 | ↓ -8% |
| TriWest Healthcare Alliance Corp - VA CCN | VA Community Care Network | $9.74 | ↓ -8% |
| Health Net | Medicare | $9.74 | ↓ -8% |
| Health Net | Medicaid | $9.74 | ↓ -8% |
| Wellpoint | Medicare Advantage HMO | $9.74 | ↓ -8% |
| Arizona Physicians IPA | Medicaid | $9.74 | ↓ -8% |
| Arizona Physicians IPA | Medicare Advantage | $9.74 | ↓ -8% |
| Humana | Medicare Advantage | $10.03 | ↓ -5% |
| Carelon | Medicare Advantage | $10.23 | ↓ -3% |
| Devoted Health Services | Medicare Advantage | $10.23 | ↓ -3% |
| Arizona Priority Care | Alignment Health Plans Medicare Advantage/Eternal Health Plan Medicare/SCAN Health Plan Medicare | $10.71 | ↑ +1% |
| Gold Kidney Health Plan | Medicare Advantage | $10.71 | ↑ +1% |
| NaphCare | Federal | $13.15 | ↑ +25% |
| Aetna | Qualified Health Plan | $13.25 | ↑ +25% |
| United Healthcare | Individual Exchange | $13.64 | ↑ +29% |
| Health Net | Commerical Exchange Product | $14.42 | ↑ +37% |
| Health Choice Arizona, Inc. | ACA Health Plan | $14.61 | ↑ +38% |
| Oscar Health Plan | Commercial | $16.07 | ↑ +52% |
| Blue Cross Blue Shield of Arizona | Medicare Supplemental Senior Preferred | $17.92 | ↑ +70% |
| United Healthcare | UHC Doctor's Plan | $18.02 | ↑ +71% |
| United Healthcare | UHC Core | $19.92 | ↑ +89% |
| United Healthcare | Commercial | $21.91 | ↑ +107% |
| Aetna | Banner Employee Plans | $22.18 | ↑ +110% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $29.70 | ↑ +181% |
| Plotkin Health | Plotkin Health | $29.70 | ↑ +181% |
| Aetna | Joint Venture | $32.71 | ↑ +210% |
| Aetna | Designated Group | $34.75 | ↑ +229% |
| Aetna | Medical Rental | $34.78 | ↑ +229% |
| Quiktrip Corporation | Commercial | $35.64 | ↑ +238% |
| Aetna | Broad Network | $40.89 | ↑ +287% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $43.36 | ↑ +311% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $45.34 | ↑ +329% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $46.07 | ↑ +336% |
| Arizona Medical Network | Commercial | $46.20 | ↑ +338% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $49.14 | ↑ +365% |
| Provider Network of America | Commercial | $49.50 | ↑ +369% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $51.59 | ↑ +389% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $61.42 | ↑ +482% |
| Blue Cross Blue Shield of Arizona | Commercial | $61.42 | ↑ +482% |
Visitor-reported prices
Comments
Fern test at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Estrella Medical Center | Phoenix | $10.43 | $9.74 – $49.50 |
| St. Joseph’s Hospital and Medical Center | Phoenix | $21.01 | $4.09 – $43.45 |
| Mercy Gilbert Medical Center | Gilbert | $17.72 | $9.74 – $55.44 |
| Banner University Medical Center Tucson | Tucson | $10.69 | $9.74 – $52.80 |
| Banner Baywood Medical Center | Mesa | $8.38 | $9.74 – $49.50 |
| Banner Casa Grande Medical Center | Casa Grande | $7.46 | $9.74 – $49.50 |
| Banner Del Webb Medical Center | Sun City West | $10.16 | $9.74 – $52.80 |
| Banner Desert Medical Center | Mesa | $9.90 | $9.74 – $49.50 |