Cholesterol (Lipid) Test at St. Joseph’s Hospital and Medical Center
350 W Thomas Rd, Phoenix, AZ · CommonSpirit Health · · NPI 1982733655
$192.15
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.
$503.00
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.
$5.62 with United vs $378.41 with MultiPlan — 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 | $5.62 | ↓ -97% |
| United | Commercial|Options PPO | $8.03 | ↓ -96% |
| United | Commercial|All Other Plans | $8.03 | ↓ -96% |
| Optum | Medicare|OptumCare | $13.39 | ↓ -93% |
| Mercy Care Plan | Medicare|All Plans | $13.39 | ↓ -93% |
| Health Choice | Medicaid|All Plans | $13.39 | ↓ -93% |
| Care 1st | Medicare|All Plans | $13.39 | ↓ -93% |
| Humana | Medicare|All Plans | $13.39 | ↓ -93% |
| Aetna | Medicare|All Plans | $13.39 | ↓ -93% |
| Mercy Care Plan | Medicaid|All Plans | $13.39 | ↓ -93% |
| First Health | Medicare|All Plans | $13.39 | ↓ -93% |
| United | Medicare|All Other Plans | $13.39 | ↓ -93% |
| United | Medicare|Dual Complete | $13.39 | ↓ -93% |
| Health Choice | Medicare|All Plans | $13.39 | ↓ -93% |
| Cigna | Medicare|All Plans | $13.39 | ↓ -93% |
| BCBS - AZ | Medicare|All Plans | $13.39 | ↓ -93% |
| United | Medicaid|All Plans | $13.72 | ↓ -93% |
| Devoted Health | Medicare|All Plans | $13.79 | ↓ -93% |
| Optum | Medicare|OptumHealth | $14.73 | ↓ -92% |
| Cigna | Commercial|Exchange | $27.84 | ↓ -86% |
| Cigna | Commercial|LocalPlus SureFit | $29.75 | ↓ -85% |
| BCBS - AZ | Commercial|MaricopaFocus | $33.39 | ↓ -83% |
| BCBS - AZ | Commercial|Neighborhood | $33.39 | ↓ -83% |
| Cigna | Commercial|All Other Plans | $39.15 | ↓ -80% |
| Aetna | Commercial|All Plans | $42.17 | ↓ -78% |
| BCBS - AZ | Commercial|All Other Plans | $44.52 | ↓ -77% |
| BCBS - AZ | Commercial|Workers Comp | $65.99 | ↓ -66% |
| Aetna | Commercial|PPO | $67.85 | ↓ -65% |
| Aetna | Commercial|All Other Plans | $67.85 | ↓ -65% |
| Aetna | Commercial|HMO | $67.85 | ↓ -65% |
| United | Commercial|DignityHealthEmployee | $91.01 | ↓ -53% |
| Optum | Commercial|OptumHealth | $225.13 | ↑ +17% |
| Cigna | Commercial|LifeSource | $263.45 | ↑ +37% |
| Other | Commercial|NTN | $287.40 | ↑ +50% |
| LifeTrac | Commercial|All Plans | $311.35 | ↑ +62% |
| First Health | Commercial|All Plans | $331.98 | ↑ +73% |
| Health Net | Commercial|Interlink | $335.30 | ↑ +74% |
| MultiPlan | Commercial|All Plans | $378.41 | ↑ +97% |
Visitor-reported prices
Comments
Cholesterol (Lipid) Test at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $49.44 | $13.39 – $38.25 |
| Banner Estrella Medical Center | Phoenix | $48.82 | $13.39 – $38.25 |
| Arizona General Hospital Laveen | Phoenix | $121.60 | $8.03 – $99.68 |
| Mercy Gilbert Medical Center | Gilbert | $153.51 | $7.50 – $41.25 |
| Banner University Medical Center Tucson | Tucson | $21.87 | $13.39 – $40.80 |
| Banner University Medical Center South | Tucson | $21.06 | $13.39 – $40.80 |
| Banner Baywood Medical Center | Mesa | $39.24 | $13.39 – $38.25 |
| Banner Behavioral Health Hospital | Scottsdale | $181.04 | $13.39 – $216.30 |