Dch validity tests at St. Joseph’s Hospital and Medical Center
350 W Thomas Rd, Phoenix, AZ · CommonSpirit Health · · NPI 1982733655
$12.23
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.
$32.00
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.
$1.46 with United vs $25.28 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 | $1.46 | ↓ -88% |
| United | Commercial|Options PPO | $2.09 | ↓ -83% |
| United | Commercial|All Other Plans | $2.09 | ↓ -83% |
| Care 1st | Medicare|All Plans | $3.48 | ↓ -72% |
| Humana | Medicare|All Plans | $3.48 | ↓ -72% |
| Optum | Medicare|OptumCare | $3.48 | ↓ -72% |
| Aetna | Medicare|All Plans | $3.48 | ↓ -72% |
| First Health | Medicare|All Plans | $3.48 | ↓ -72% |
| United | Medicare|All Other Plans | $3.48 | ↓ -72% |
| United | Medicare|Dual Complete | $3.48 | ↓ -72% |
| Cigna | Medicare|All Plans | $3.48 | ↓ -72% |
| BCBS - AZ | Medicare|All Plans | $3.48 | ↓ -72% |
| Health Choice | Medicaid|All Plans | $3.48 | ↓ -72% |
| Health Choice | Medicare|All Plans | $3.48 | ↓ -72% |
| Mercy Care Plan | Medicaid|All Plans | $3.48 | ↓ -72% |
| Mercy Care Plan | Medicare|All Plans | $3.48 | ↓ -72% |
| United | Medicaid|All Plans | $3.57 | ↓ -71% |
| Optum | Medicare|OptumHealth | $3.83 | ↓ -69% |
| United | Commercial|DignityHealthEmployee | $6.08 | ↓ -50% |
| Cigna | Commercial|Exchange | $7.23 | ↓ -41% |
| Cigna | Commercial|LocalPlus SureFit | $7.73 | ↓ -37% |
| Cigna | Commercial|All Other Plans | $10.17 | ↓ -17% |
| Aetna | Commercial|All Plans | $10.97 | ↓ -10% |
| Optum | Commercial|OptumHealth | $15.04 | ↑ +23% |
| Cigna | Commercial|LifeSource | $17.60 | ↑ +44% |
| Other | Commercial|NTN | $19.20 | ↑ +57% |
| LifeTrac | Commercial|All Plans | $20.80 | ↑ +70% |
| First Health | Commercial|All Plans | $22.40 | ↑ +83% |
| Health Net | Commercial|Interlink | $22.40 | ↑ +83% |
| MultiPlan | Commercial|All Plans | $25.28 | ↑ +107% |
Visitor-reported prices
Comments
Dch validity tests at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $3.03 | $3.48 – $8.25 |
| Banner Estrella Medical Center | Phoenix | $3.33 | $3.48 – $8.25 |
| Arizona General Hospital Laveen | Phoenix | $5.96 | $2.08 – $21.25 |
| Mercy Gilbert Medical Center | Gilbert | $19.19 | $3.48 – $60.06 |
| Banner University Medical Center Tucson | Tucson | $2.17 | $3.48 – $8.80 |
| Banner University Medical Center South | Tucson | $2.12 | $3.48 – $8.80 |
| Banner Baywood Medical Center | Mesa | $2.49 | $3.48 – $8.25 |
| Banner Boswell Medical Center | Sun City | $2.41 | $3.48 – $8.80 |