Macroscopic exam arthropod at Banner University Medical Center Phoenix
1111 East Mcdowell Road, Phoenix, AZ · Banner Health · · NPI 1841224870
$2.87
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.
$13.00
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.
$4.27 with Care 1st vs $19.61 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 | $4.27 | ↑ +49% |
| Gila River Health Care Corporation | Managed Care Program | $4.27 | ↑ +49% |
| United Healthcare | Medicare Advantage | $4.27 | ↑ +49% |
| UPMC Health Plan | Medicare Advantage | $4.27 | ↑ +49% |
| Blue Cross Blue Shield of Arizona | Medicare Advantage | $4.27 | ↑ +49% |
| Banner University Health Plan | University Family Plan | $4.27 | ↑ +49% |
| Banner University Health Plan | AZ Medicaid - AHCCCS | $4.27 | ↑ +49% |
| Banner University Health Plan | University Care Advantage | $4.27 | ↑ +49% |
| Banner University Health Plan | Medicare Advantage | $4.27 | ↑ +49% |
| Mercy Care | Medicaid | $4.27 | ↑ +49% |
| Mercy Care | Mercy Care Advantage | $4.27 | ↑ +49% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $4.27 | ↑ +49% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plan | $4.27 | ↑ +49% |
| Aetna | Medicare Advantage | $4.27 | ↑ +49% |
| Banner Health | Medicare Advantage | $4.27 | ↑ +49% |
| Health Choice Arizona, Inc. | Medicaid | $4.27 | ↑ +49% |
| Health Choice Arizona, Inc. | Medicare Advantage | $4.27 | ↑ +49% |
| Kaiser Foundation Health Plan | Medicare Advantage | $4.27 | ↑ +49% |
| TriWest Healthcare Alliance Corp - VA CCN | VA Community Care Network | $4.27 | ↑ +49% |
| Health Net | Medicare | $4.27 | ↑ +49% |
| Health Net | Medicaid | $4.27 | ↑ +49% |
| Wellpoint | Medicare Advantage HMO | $4.27 | ↑ +49% |
| Arizona Physicians IPA | Medicaid | $4.27 | ↑ +49% |
| Arizona Physicians IPA | Medicare Advantage | $4.27 | ↑ +49% |
| Aetna | Banner Employee Plans | $4.37 | ↑ +52% |
| Humana | Medicare Advantage | $4.40 | ↑ +53% |
| Carelon | Medicare Advantage | $4.48 | ↑ +56% |
| Devoted Health Services | Medicare Advantage | $4.48 | ↑ +56% |
| Arizona Priority Care | Alignment Health Plans Medicare Advantage/Eternal Health Plan Medicare/SCAN Health Plan Medicare | $4.70 | ↑ +64% |
| Gold Kidney Health Plan | Medicare Advantage | $4.70 | ↑ +64% |
| Blue Cross Blue Shield of Arizona | Medicare Supplemental Senior Preferred | $5.72 | ↑ +99% |
| NaphCare | Federal | $5.76 | ↑ +101% |
| Aetna | Qualified Health Plan | $5.81 | ↑ +102% |
| National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) | NHSI VUMI | $5.85 | ↑ +104% |
| Plotkin Health | Plotkin Health | $5.85 | ↑ +104% |
| United Healthcare | Individual Exchange | $5.98 | ↑ +108% |
| Health Net | Commerical Exchange Product | $6.32 | ↑ +120% |
| Health Choice Arizona, Inc. | ACA Health Plan | $6.41 | ↑ +123% |
| Aetna | Medical Rental | $6.85 | ↑ +139% |
| Quiktrip Corporation | Commercial | $7.02 | ↑ +145% |
| Oscar Health Plan | Commercial | $7.05 | ↑ +146% |
| Cigna Healthcare of Arizona, Inc. | LocalFlex | $7.51 | ↑ +162% |
| United Healthcare | UHC Doctor's Plan | $7.90 | ↑ +175% |
| Cigna Healthcare of Arizona, Inc. | Commercial | $8.34 | ↑ +191% |
| United Healthcare | UHC Core | $8.74 | ↑ +205% |
| Arizona Medical Network | Commercial | $9.10 | ↑ +217% |
| United Healthcare | Commercial | $9.62 | ↑ +235% |
| Provider Network of America | Commercial | $9.75 | ↑ +240% |
| Aetna | Joint Venture | $14.34 | ↑ +400% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Neighborhood | $14.71 | ↑ +413% |
| Aetna | Designated Group | $15.24 | ↑ +431% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Alliance/Blue HPN | $15.69 | ↑ +447% |
| Blue Cross Blue Shield of Arizona | BXBSAZ Alliance CHS | $16.47 | ↑ +474% |
| Aetna | Broad Network | $17.93 | ↑ +525% |
| Blue Cross Blue Shield of Arizona | Commercial | $19.61 | ↑ +583% |
| Blue Cross Blue Shield of Arizona | BCBSAZ Workers Comp | $19.61 | ↑ +583% |
Visitor-reported prices
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Macroscopic exam arthropod at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Estrella Medical Center | Phoenix | $3.52 | $4.27 – $9.75 |
| Arizona General Hospital Laveen | Phoenix | $67.33 | $2.56 – $240.20 |
| St. Joseph’s Hospital and Medical Center | Phoenix | $209.34 | $1.79 – $432.92 |
| Mercy Gilbert Medical Center | Gilbert | $72.57 | $4.27 – $227.15 |
| Banner University Medical Center Tucson | Tucson | $3.04 | $4.27 – $10.40 |
| Banner University Medical Center South | Tucson | $2.17 | $4.27 – $10.40 |
| Banner Baywood Medical Center | Mesa | $2.90 | $4.27 – $9.75 |
| Banner Boswell Medical Center | Sun City | $2.37 | $4.27 – $10.40 |