X-ray knee ap standing bilateral 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

$111.67

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.

$396.00

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.

$49.94 with Blue Cross Blue Shield of Arizona vs $409.57 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 $49.94 ↓ -55%
Arizona Physicians IPA Medicaid $58.65 ↓ -47%
Health Net Medicaid $58.65 ↓ -47%
Banner University Health Plan University Family Plan $58.65 ↓ -47%
Health Choice Arizona, Inc. Medicaid $58.65 ↓ -47%
Mercy Care Medicaid $58.65 ↓ -47%
Banner University Health Plan AZ Medicaid - AHCCCS $58.65 ↓ -47%
Care 1st Medicare Advantage $93.85 ↓ -16%
Gila River Health Care Corporation Managed Care Program $93.85 ↓ -16%
United Healthcare Medicare Advantage $93.85 ↓ -16%
UPMC Health Plan Medicare Advantage $93.85 ↓ -16%
Blue Cross Blue Shield of Arizona Medicare Advantage $93.85 ↓ -16%
Banner University Health Plan University Care Advantage $93.85 ↓ -16%
Banner University Health Plan Medicare Advantage $93.85 ↓ -16%
Mercy Care Mercy Care Advantage $93.85 ↓ -16%
Cigna Healthcare of Arizona, Inc. PPO Medicare Advantage Plan $93.85 ↓ -16%
Cigna Healthcare of Arizona, Inc. HMO Medicare Advantage Plan $93.85 ↓ -16%
Aetna Medicare Advantage $93.85 ↓ -16%
Banner Health Medicare Advantage $93.85 ↓ -16%
Health Choice Arizona, Inc. Medicare Advantage $93.85 ↓ -16%
Kaiser Foundation Health Plan Medicare Advantage $93.85 ↓ -16%
TriWest Healthcare Alliance Corp - VA CCN VA Community Care Network $93.85 ↓ -16%
Health Net Medicare $93.85 ↓ -16%
Wellpoint Medicare Advantage HMO $93.85 ↓ -16%
Arizona Physicians IPA Medicare Advantage $93.85 ↓ -16%
Humana Medicare Advantage $96.67 ↓ -13%
Devoted Health Services Medicare Advantage $98.54 ↓ -12%
Carelon Medicare Advantage $98.54 ↓ -12%
Gold Kidney Health Plan Medicare Advantage $103.23 ↓ -8%
Arizona Priority Care Alignment Health Plans Medicare Advantage/Eternal Health Plan Medicare/SCAN Health Plan Medicare $103.23 ↓ -8%
NaphCare Federal $126.70 ↑ +13%
Aetna Qualified Health Plan $127.64 ↑ +14%
Blue Cross Blue Shield of Arizona BXBSAZ Neighborhood $128.36 ↑ +15%
United Healthcare Individual Exchange $131.39 ↑ +18%
Aetna Banner Employee Plans $133.06 ↑ +19%
Blue Cross Blue Shield of Arizona BCBSAZ Alliance/Blue HPN $136.92 ↑ +23%
Health Net Commerical Exchange Product $138.90 ↑ +24%
Health Choice Arizona, Inc. ACA Health Plan $140.78 ↑ +26%
Blue Cross Blue Shield of Arizona BXBSAZ Alliance CHS $143.76 ↑ +29%
Oscar Health Plan Commercial $154.85 ↑ +39%
Blue Cross Blue Shield of Arizona BCBSAZ Workers Comp $171.14 ↑ +53%
Blue Cross Blue Shield of Arizona Commercial $171.14 ↑ +53%
Plotkin Health Plotkin Health $178.20 ↑ +60%
National Healthcare Solutions Inc (NHSI) and VIP Universal Medical Insurance Group (VUMI) NHSI VUMI $178.20 ↑ +60%
Aetna Joint Venture $182.95 ↑ +64%
Aetna Designated Group $194.44 ↑ +74%
Aetna Medical Rental $208.69 ↑ +87%
Quiktrip Corporation Commercial $213.84 ↑ +91%
Aetna Broad Network $228.49 ↑ +105%
Cigna Healthcare of Arizona, Inc. LocalFlex $260.17 ↑ +133%
Cigna Healthcare of Arizona, Inc. Commercial $272.05 ↑ +144%
Arizona Medical Network Commercial $277.20 ↑ +148%
Provider Network of America Commercial $297.00 ↑ +166%
United Healthcare UHC Doctor's Plan $347.17 ↑ +211%
United Healthcare UHC Core $378.33 ↑ +239%
United Healthcare Commercial $409.57 ↑ +267%
TriWest Healthcare Alliance Corp - VA CCN Tricare not published by hospital

Visitor-reported prices

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X-ray knee ap standing bilateral at other Arizona hospitals

Hospital City Cash price Negotiated range
Banner Estrella Medical Center Phoenix $103.36 $58.65 – $297.00
Arizona General Hospital Laveen Phoenix $239.31 $41.84 – $853.77
St. Joseph’s Hospital and Medical Center Phoenix $340.75 $41.84 – $704.68
Mercy Gilbert Medical Center Gilbert $312.42 $41.84 – $356.51
Banner University Medical Center Tucson Tucson $149.70 $55.48 – $399.20
Banner University Medical Center South Tucson $153.69 $55.48 – $399.20
Banner Baywood Medical Center Mesa $114.05 $58.65 – $297.00
Banner Boswell Medical Center Sun City $96.62 $58.65 – $316.80

All Arizona hospitals for this procedure →