Immunofluorescence per specimen initial single antibody stain 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

$146.23

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.

$526.00

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.

$107.60 with Blue Cross Blue Shield of Arizona vs $655.34 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 →

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 $107.60 ↓ -26%
Aetna Banner Employee Plans $176.74 ↑ +21%
Care 1st Medicare Advantage $182.64 ↑ +25%
Gila River Health Care Corporation Managed Care Program $182.64 ↑ +25%
United Healthcare Medicare Advantage $182.64 ↑ +25%
UPMC Health Plan Medicare Advantage $182.64 ↑ +25%
Blue Cross Blue Shield of Arizona Medicare Advantage $182.64 ↑ +25%
Banner University Health Plan University Care Advantage $182.64 ↑ +25%
Banner University Health Plan Medicare Advantage $182.64 ↑ +25%
Mercy Care Mercy Care Advantage $182.64 ↑ +25%
Cigna Healthcare of Arizona, Inc. PPO Medicare Advantage Plan $182.64 ↑ +25%
Cigna Healthcare of Arizona, Inc. HMO Medicare Advantage Plan $182.64 ↑ +25%
Aetna Medicare Advantage $182.64 ↑ +25%
Banner Health Medicare Advantage $182.64 ↑ +25%
Health Choice Arizona, Inc. Medicare Advantage $182.64 ↑ +25%
Kaiser Foundation Health Plan Medicare Advantage $182.64 ↑ +25%
TriWest Healthcare Alliance Corp - VA CCN VA Community Care Network $182.64 ↑ +25%
Health Net Medicare $182.64 ↑ +25%
Wellpoint Medicare Advantage HMO $182.64 ↑ +25%
Arizona Physicians IPA Medicare Advantage $182.64 ↑ +25%
Cigna Healthcare of Arizona, Inc. LocalFlex $186.76 ↑ +28%
Humana Medicare Advantage $188.12 ↑ +29%
Devoted Health Services Medicare Advantage $191.77 ↑ +31%
Carelon Medicare Advantage $191.77 ↑ +31%
Gold Kidney Health Plan Medicare Advantage $200.90 ↑ +37%
Arizona Priority Care Alignment Health Plans Medicare Advantage/Eternal Health Plan Medicare/SCAN Health Plan Medicare $200.90 ↑ +37%
Cigna Healthcare of Arizona, Inc. Commercial $207.51 ↑ +42%
Banner University Health Plan AZ Medicaid - AHCCCS $211.16 ↑ +44%
Mercy Care Medicaid $211.16 ↑ +44%
Arizona Physicians IPA Medicaid $211.16 ↑ +44%
Health Net Medicaid $211.16 ↑ +44%
Health Choice Arizona, Inc. Medicaid $211.16 ↑ +44%
Banner University Health Plan University Family Plan $211.16 ↑ +44%
National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) NHSI VUMI $236.70 ↑ +62%
Plotkin Health Plotkin Health $236.70 ↑ +62%
NaphCare Federal $246.56 ↑ +69%
Aetna Qualified Health Plan $248.39 ↑ +70%
United Healthcare Individual Exchange $255.70 ↑ +75%
Health Net Commerical Exchange Product $270.31 ↑ +85%
Health Choice Arizona, Inc. ACA Health Plan $273.96 ↑ +87%
Blue Cross Blue Shield of Arizona BXBSAZ Neighborhood $276.58 ↑ +89%
Aetna Medical Rental $277.20 ↑ +90%
Quiktrip Corporation Commercial $284.04 ↑ +94%
Blue Cross Blue Shield of Arizona BCBSAZ Alliance/Blue HPN $295.02 ↑ +102%
Oscar Health Plan Commercial $301.36 ↑ +106%
Blue Cross Blue Shield of Arizona BXBSAZ Alliance CHS $309.77 ↑ +112%
Arizona Medical Network Commercial $368.20 ↑ +152%
Blue Cross Blue Shield of Arizona BCBSAZ Workers Comp $368.77 ↑ +152%
Blue Cross Blue Shield of Arizona Commercial $368.77 ↑ +152%
Provider Network of America Commercial $394.50 ↑ +170%
Aetna Joint Venture $501.32 ↑ +243%
Aetna Designated Group $532.67 ↑ +264%
United Healthcare UHC Doctor's Plan $538.71 ↑ +268%
United Healthcare UHC Core $608.25 ↑ +316%
Aetna Broad Network $626.72 ↑ +329%
United Healthcare Commercial $655.34 ↑ +348%
TriWest Healthcare Alliance Corp - VA CCN Tricare not published by hospital

Visitor-reported prices

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Immunofluorescence per specimen initial single antibody stain at other Arizona hospitals

Hospital City Cash price Negotiated range
Banner Estrella Medical Center Phoenix $129.92 $176.74 – $394.50
Arizona General Hospital Laveen Phoenix $180.46 $97.64 – $643.80
St. Joseph’s Hospital and Medical Center Phoenix $454.58 $63.84 – $265.44
Mercy Gilbert Medical Center Gilbert $179.83 $52.91 – $291.00
Banner University Medical Center Tucson Tucson $115.81 $152.95 – $349.60
Banner University Medical Center South Tucson $122.80 $152.95 – $349.60
Banner Baywood Medical Center Mesa $115.72 $176.74 – $394.50
Banner Boswell Medical Center Sun City $115.19 $176.74 – $420.80

All Arizona hospitals for this procedure →