Hdr rdncl ntrstl/icav brchtx at Banner University Medical Center Phoenix
1111 East Mcdowell Road, Phoenix, AZ · Banner Health · · NPI 1841224870
$1,161.72
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.
$2,520.00
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.
$445.15 with Blue Cross Blue Shield of Arizona vs $2,420.00 with United Healthcare — 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 |
|---|---|---|---|
| Blue Cross Blue Shield of Arizona | Medicare Supplemental Senior Preferred | $445.15 | ↓ -62% |
| Arizona Physicians IPA | Medicaid | $513.63 | ↓ -56% |
| Health Net | Medicaid | $513.63 | ↓ -56% |
| Banner University Health Plan | University Family Plan | $513.63 | ↓ -56% |
| Health Choice Arizona, Inc. | Medicaid | $513.63 | ↓ -56% |
| Mercy Care | Medicaid | $513.63 | ↓ -56% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $513.63 | ↓ -56% |
| Care 1st | Medicare Advantage | $739.48 | ↓ -36% |
| Gila River Health Care Corporation | Managed Care Program | $739.48 | ↓ -36% |
| United Healthcare | Medicare Advantage | $739.48 | ↓ -36% |
| UPMC Health Plan | Medicare Advantage | $739.48 | ↓ -36% |
| Blue Cross Blue Shield of Arizona | Medicare Advantage | $739.48 | ↓ -36% |
| Banner University Health Plan | University Care Advantage | $739.48 | ↓ -36% |
| Banner University Health Plan | Medicare Advantage | $739.48 | ↓ -36% |
| Mercy Care | Mercy Care Advantage | $739.48 | ↓ -36% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $739.48 | ↓ -36% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plan | $739.48 | ↓ -36% |
| Aetna | Medicare Advantage | $739.48 | ↓ -36% |
| Banner Health | Medicare Advantage | $739.48 | ↓ -36% |
| Health Choice Arizona, Inc. | Medicare Advantage | $739.48 | ↓ -36% |
| Kaiser Foundation Health Plan | Medicare Advantage | $739.48 | ↓ -36% |
| TriWest Healthcare Alliance Corp - VA CCN | VA Community Care Network | $739.48 | ↓ -36% |
| Health Net | Medicare | $739.48 | ↓ -36% |
| Wellpoint | Medicare Advantage HMO | $739.48 | ↓ -36% |
| Arizona Physicians IPA | Medicare Advantage | $739.48 | ↓ -36% |
| Humana | Medicare Advantage | $761.66 | ↓ -34% |
| Devoted Health Services | Medicare Advantage | $776.45 | ↓ -33% |
| Carelon | Medicare Advantage | $776.45 | ↓ -33% |
| Gold Kidney Health Plan | Medicare Advantage | $813.43 | ↓ -30% |
| Arizona Priority Care | Alignment Health Plans Medicare Advantage/Eternal Health Plan Medicare/SCAN Health Plan Medicare | $813.43 | ↓ -30% |
| Aetna | Banner Employee Plans | $846.72 | ↓ -27% |
| NaphCare | Federal | $998.30 | ↓ -14% |
| Aetna | Qualified Health Plan | $1,005.69 | ↓ -13% |
| United Healthcare | Individual Exchange | $1,035.27 | ↓ -11% |
| Health Net | Commerical Exchange Product | $1,094.43 | ↓ -6% |
| Health Choice Arizona, Inc. | ACA Health Plan | $1,109.22 | ↓ -5% |
| Plotkin Health | Plotkin Health | $1,134.00 | ↓ -2% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $1,134.00 | ↓ -2% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $1,144.21 | ↓ -2% |
| Aetna | Joint Venture | $1,164.24 | ↑ +0% |
| Oscar Health Plan | Commercial | $1,220.14 | ↑ +5% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $1,220.49 | ↑ +5% |
| Aetna | Designated Group | $1,237.32 | ↑ +7% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $1,281.50 | ↑ +10% |
| Aetna | Medical Rental | $1,328.04 | ↑ +14% |
| Quiktrip Corporation | Commercial | $1,360.80 | ↑ +17% |
| Aetna | Broad Network | $1,454.04 | ↑ +25% |
| Blue Cross Blue Shield of Arizona | Commercial | $1,525.61 | ↑ +31% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $1,525.61 | ↑ +31% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $1,655.64 | ↑ +43% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $1,731.24 | ↑ +49% |
| Arizona Medical Network | Commercial | $1,764.00 | ↑ +52% |
| Provider Network of America | Commercial | $1,890.00 | ↑ +63% |
| United Healthcare | UHC Doctor's Plan | $2,200.00 | ↑ +89% |
| United Healthcare | UHC Core | $2,299.00 | ↑ +98% |
| United Healthcare | Commercial | $2,420.00 | ↑ +108% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
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Hdr rdncl ntrstl/icav brchtx at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| St. Joseph’s Hospital and Medical Center | Phoenix | $917.95 | $365.48 – $1,898.37 |
| Banner University Medical Center Tucson | Tucson | $692.46 | $467.89 – $2,600.80 |
| Banner Boswell Medical Center | Sun City | $939.96 | $513.63 – $2,016.00 |
| Banner Desert Medical Center | Mesa | $1,204.56 | $513.63 – $1,890.00 |
| Banner Gateway Medical Center | Gilbert | $1,164.24 | $513.63 – $1,890.00 |
| Banner Thunderbird Medical Center | Glendale | $1,053.36 | $72.99 – $1,890.00 |