#cf-97variants at St. Joseph’s Hospital and Medical Center
350 W Thomas Rd, Phoenix, AZ · CommonSpirit Health · · NPI 1982733655
$603.56
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.
$1,580.00
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.
$233.77 with United vs $1,580.00 with BCBS - AZ — 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 |
|---|---|---|---|
| United | Commercial|Navigate | $233.77 | ↓ -61% |
| United | Commercial|DignityHealthEmployee | $300.20 | ↓ -50% |
| United | Commercial|Options PPO | $333.96 | ↓ -45% |
| United | Commercial|All Other Plans | $333.96 | ↓ -45% |
| Mercy Care Plan | Medicare|All Plans | $556.60 | ↓ -8% |
| Aetna | Medicare|All Plans | $556.60 | ↓ -8% |
| Mercy Care Plan | Medicaid|All Plans | $556.60 | ↓ -8% |
| First Health | Medicare|All Plans | $556.60 | ↓ -8% |
| BCBS - AZ | Medicare|All Plans | $556.60 | ↓ -8% |
| Humana | Medicare|All Plans | $556.60 | ↓ -8% |
| Optum | Medicare|OptumCare | $556.60 | ↓ -8% |
| Care 1st | Medicare|All Plans | $556.60 | ↓ -8% |
| United | Medicare|Dual Complete | $556.60 | ↓ -8% |
| Health Choice | Medicare|All Plans | $556.60 | ↓ -8% |
| Health Choice | Medicaid|All Plans | $556.60 | ↓ -8% |
| Cigna | Medicare|All Plans | $556.60 | ↓ -8% |
| United | Medicare|All Other Plans | $556.60 | ↓ -8% |
| United | Medicaid|All Plans | $570.52 | ↓ -5% |
| Optum | Medicare|OptumHealth | $612.26 | ↑ +1% |
| Optum | Commercial|OptumHealth | $742.60 | ↑ +23% |
| Cigna | Commercial|LifeSource | $869.00 | ↑ +44% |
| Other | Commercial|NTN | $948.00 | ↑ +57% |
| LifeTrac | Commercial|All Plans | $1,027.00 | ↑ +70% |
| Health Net | Commercial|Interlink | $1,106.00 | ↑ +83% |
| First Health | Commercial|All Plans | $1,106.00 | ↑ +83% |
| Cigna | Commercial|Exchange | $1,157.73 | ↑ +92% |
| Cigna | Commercial|LocalPlus SureFit | $1,237.32 | ↑ +105% |
| MultiPlan | Commercial|All Plans | $1,248.20 | ↑ +107% |
| Cigna | Commercial|All Other Plans | $1,580.00 | ↑ +162% |
| BCBS - AZ | Commercial|Workers Comp | $1,580.00 | ↑ +162% |
| BCBS - AZ | Commercial|Neighborhood | $1,580.00 | ↑ +162% |
| Aetna | Commercial|All Plans | $1,580.00 | ↑ +162% |
| BCBS - AZ | Commercial|MaricopaFocus | $1,580.00 | ↑ +162% |
| BCBS - AZ | Commercial|All Other Plans | $1,580.00 | ↑ +162% |
Visitor-reported prices
Comments
#cf-97variants at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $748.28 | $556.60 – $2,011.50 |
| Banner Estrella Medical Center | Phoenix | $501.53 | $556.60 – $2,011.50 |
| Arizona General Hospital Laveen | Phoenix | $154.58 | $333.96 – $2,708.85 |
| Mercy Gilbert Medical Center | Gilbert | $547.70 | $10.78 – $77.00 |
| Banner University Medical Center Tucson | Tucson | $554.77 | $556.60 – $1,826.40 |
| Banner University Medical Center South | Tucson | $390.39 | $556.60 – $1,826.40 |
| Banner Baywood Medical Center | Mesa | $584.68 | $556.60 – $2,011.50 |
| Banner Boswell Medical Center | Sun City | $608.81 | $556.60 – $2,145.60 |