ER Visit (level 2) at St. Joseph’s Hospital and Medical Center
350 W Thomas Rd, Phoenix, AZ · CommonSpirit Health · · NPI 1982733655
$364.81
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.
$955.00
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.
$36.41 with Health Choice vs $1,340.00 with Aetna — 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 |
|---|---|---|---|
| Health Choice | Medicaid|All Plans | $36.41 | ↓ -90% |
| United | Medicaid|All Plans | $36.41 | ↓ -90% |
| United | Medicare|Dual Complete | $164.71 | ↓ -55% |
| Care 1st | Medicare|All Plans | $168.78 | ↓ -54% |
| Humana | Medicare|All Plans | $168.78 | ↓ -54% |
| Optum | Medicare|OptumCare | $168.78 | ↓ -54% |
| Aetna | Medicare|All Plans | $168.78 | ↓ -54% |
| First Health | Medicare|All Plans | $168.78 | ↓ -54% |
| United | Medicare|All Other Plans | $168.78 | ↓ -54% |
| Cigna | Medicare|All Plans | $168.78 | ↓ -54% |
| BCBS - AZ | Medicare|All Plans | $168.78 | ↓ -54% |
| Health Choice | Medicare|All Plans | $168.78 | ↓ -54% |
| Mercy Care Plan | Medicaid|All Plans | $168.78 | ↓ -54% |
| Mercy Care Plan | Medicare|All Plans | $168.78 | ↓ -54% |
| Devoted Health | Medicare|All Plans | $173.84 | ↓ -52% |
| United | Commercial|DignityHealthEmployee | $181.45 | ↓ -50% |
| Optum | Medicare|OptumHealth | $185.66 | ↓ -49% |
| Optum | Commercial|OptumHealth | $448.85 | ↑ +23% |
| BCBS - AZ | Commercial|Neighborhood | $514.80 | ↑ +41% |
| BCBS - AZ | Commercial|MaricopaFocus | $514.80 | ↑ +41% |
| Cigna | Commercial|LifeSource | $525.25 | ↑ +44% |
| Other | Commercial|NTN | $573.00 | ↑ +57% |
| Cigna | Commercial|Exchange | $605.00 | ↑ +66% |
| LifeTrac | Commercial|All Plans | $620.75 | ↑ +70% |
| First Health | Commercial|All Plans | $630.30 | ↑ +73% |
| Cigna | Commercial|LocalPlus SureFit | $648.00 | ↑ +78% |
| Health Net | Commercial|Interlink | $668.50 | ↑ +83% |
| BCBS - AZ | Commercial|All Other Plans | $686.40 | ↑ +88% |
| Aetna | Commercial|All Plans | $731.00 | ↑ +100% |
| MultiPlan | Commercial|All Plans | $754.45 | ↑ +107% |
| Cigna | Commercial|All Other Plans | $852.00 | ↑ +134% |
| Connected Care | Commercial|Intel | $891.00 | ↑ +144% |
| United | Commercial|Navigate | $951.00 | ↑ +161% |
| BCBS - AZ | Commercial|Workers Comp | $955.00 | ↑ +162% |
| United | Commercial|All Other Plans | $1,126.00 | ↑ +209% |
| United | Commercial|Options PPO | $1,132.00 | ↑ +210% |
| Aetna | Commercial|HMO | $1,340.00 | ↑ +267% |
| Aetna | Commercial|PPO | $1,340.00 | ↑ +267% |
| Aetna | Commercial|All Other Plans | $1,340.00 | ↑ +267% |
Visitor-reported prices
Comments
ER Visit (level 2) at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $493.41 | $88.87 – $872.25 |
| Banner Estrella Medical Center | Phoenix | $587.68 | $88.87 – $872.25 |
| Arizona General Hospital Laveen | Phoenix | $266.10 | $36.41 – $949.36 |
| Mercy Gilbert Medical Center | Gilbert | $240.59 | $15.40 – $110.00 |
| Banner University Medical Center Tucson | Tucson | $597.95 | $88.87 – $885.60 |
| Banner University Medical Center South | Tucson | $384.16 | $88.87 – $885.60 |
| Banner Baywood Medical Center | Mesa | $375.94 | $88.87 – $2,083.00 |
| Banner Boswell Medical Center | Sun City | $281.55 | $88.87 – $930.40 |