Tissue culture tumor 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

$175.62

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.

$711.00

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.

$147.52 with Care 1st vs $765.74 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 →

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
Care 1st Medicare Advantage $147.52 ↓ -16%
Gila River Health Care Corporation Managed Care Program $147.52 ↓ -16%
United Healthcare Medicare Advantage $147.52 ↓ -16%
UPMC Health Plan Medicare Advantage $147.52 ↓ -16%
Blue Cross Blue Shield of Arizona Medicare Advantage $147.52 ↓ -16%
Banner University Health Plan University Family Plan $147.52 ↓ -16%
Banner University Health Plan AZ Medicaid - AHCCCS $147.52 ↓ -16%
Banner University Health Plan University Care Advantage $147.52 ↓ -16%
Banner University Health Plan Medicare Advantage $147.52 ↓ -16%
Mercy Care Medicaid $147.52 ↓ -16%
Mercy Care Mercy Care Advantage $147.52 ↓ -16%
Cigna Healthcare of Arizona, Inc. PPO Medicare Advantage Plan $147.52 ↓ -16%
Cigna Healthcare of Arizona, Inc. HMO Medicare Advantage Plan $147.52 ↓ -16%
Aetna Medicare Advantage $147.52 ↓ -16%
Banner Health Medicare Advantage $147.52 ↓ -16%
Health Choice Arizona, Inc. Medicaid $147.52 ↓ -16%
Health Choice Arizona, Inc. Medicare Advantage $147.52 ↓ -16%
Kaiser Foundation Health Plan Medicare Advantage $147.52 ↓ -16%
TriWest Healthcare Alliance Corp - VA CCN VA Community Care Network $147.52 ↓ -16%
Health Net Medicare $147.52 ↓ -16%
Health Net Medicaid $147.52 ↓ -16%
Wellpoint Medicare Advantage HMO $147.52 ↓ -16%
Arizona Physicians IPA Medicaid $147.52 ↓ -16%
Arizona Physicians IPA Medicare Advantage $147.52 ↓ -16%
Humana Medicare Advantage $151.95 ↓ -13%
Carelon Medicare Advantage $154.90 ↓ -12%
Devoted Health Services Medicare Advantage $154.90 ↓ -12%
Gold Kidney Health Plan Medicare Advantage $162.27 ↓ -8%
Arizona Priority Care Alignment Health Plans Medicare Advantage/Eternal Health Plan Medicare/SCAN Health Plan Medicare $162.27 ↓ -8%
NaphCare Federal $199.15 ↑ +13%
Aetna Qualified Health Plan $200.63 ↑ +14%
United Healthcare Individual Exchange $206.53 ↑ +18%
Health Net Commerical Exchange Product $218.33 ↑ +24%
Health Choice Arizona, Inc. ACA Health Plan $221.28 ↑ +26%
Blue Cross Blue Shield of Arizona Medicare Supplemental Senior Preferred $223.43 ↑ +27%
Aetna Banner Employee Plans $238.90 ↑ +36%
Oscar Health Plan Commercial $243.41 ↑ +39%
Cigna Healthcare of Arizona, Inc. LocalFlex $258.90 ↑ +47%
United Healthcare UHC Doctor's Plan $272.86 ↑ +55%
Cigna Healthcare of Arizona, Inc. Commercial $287.67 ↑ +64%
United Healthcare UHC Core $301.66 ↑ +72%
National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) NHSI VUMI $319.95 ↑ +82%
Plotkin Health Plotkin Health $319.95 ↑ +82%
United Healthcare Commercial $331.92 ↑ +89%
Aetna Medical Rental $374.70 ↑ +113%
Quiktrip Corporation Commercial $383.94 ↑ +119%
Aetna Joint Venture $495.37 ↑ +182%
Arizona Medical Network Commercial $497.70 ↑ +183%
Aetna Designated Group $526.35 ↑ +200%
Provider Network of America Commercial $533.25 ↑ +204%
Blue Cross Blue Shield of Arizona BXBSAZ Neighborhood $574.30 ↑ +227%
Blue Cross Blue Shield of Arizona BCBSAZ Alliance/Blue HPN $612.59 ↑ +249%
Aetna Broad Network $619.29 ↑ +253%
Blue Cross Blue Shield of Arizona BXBSAZ Alliance CHS $643.21 ↑ +266%
Blue Cross Blue Shield of Arizona BCBSAZ Workers Comp $765.74 ↑ +336%
Blue Cross Blue Shield of Arizona Commercial $765.74 ↑ +336%

Visitor-reported prices

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Tissue culture tumor at other Arizona hospitals

Hospital City Cash price Negotiated range
Banner Estrella Medical Center Phoenix $157.84 $147.52 – $533.25
Arizona General Hospital Laveen Phoenix $146.34 $88.51 – $717.92
St. Joseph’s Hospital and Medical Center Phoenix $550.85 $61.96 – $1,139.18
Mercy Gilbert Medical Center Gilbert $264.45 $82.60 – $454.30
Banner University Medical Center Tucson Tucson $108.53 $147.52 – $354.40
Banner University Medical Center South Tucson $104.55 $147.52 – $354.40
Banner Baywood Medical Center Mesa $151.44 $147.52 – $533.25
Banner Boswell Medical Center Sun City $153.58 $147.52 – $568.80

All Arizona hospitals for this procedure →