Implant cochlear osia osi300 at St. Joseph’s Hospital and Medical Center
350 W Thomas Rd, Phoenix, AZ · CommonSpirit Health · · NPI 1982733655
$13,455.95
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.
$35,225.00
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.
$1,140.57 with United vs $6,003.00 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|DignityHealthEmployee | $1,140.57 | ↓ -92% |
| Aetna | Commercial|All Plans | $2,341.17 | ↓ -83% |
| Optum | Commercial|OptumHealth | $2,821.41 | ↓ -79% |
| Cigna | Commercial|LifeSource | $3,301.65 | ↓ -75% |
| Connected Care | Commercial|Intel | $3,361.68 | ↓ -75% |
| Other | Commercial|NTN | $3,601.80 | ↓ -73% |
| United | Medicaid|All Plans | $3,703.58 | ↓ -72% |
| LifeTrac | Commercial|All Plans | $3,901.95 | ↓ -71% |
| Health Net | Commercial|Interlink | $4,202.10 | ↓ -69% |
| First Health | Commercial|All Plans | $4,202.10 | ↓ -69% |
| MultiPlan | Commercial|All Plans | $4,742.37 | ↓ -65% |
| BCBS - AZ | Commercial|Workers Comp | $6,003.00 | ↓ -55% |
| BCBS - AZ | Commercial|Neighborhood | $6,003.00 | ↓ -55% |
| BCBS - AZ | Commercial|MaricopaFocus | $6,003.00 | ↓ -55% |
| BCBS - AZ | Commercial|All Other Plans | $6,003.00 | ↓ -55% |
Visitor-reported prices
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Implant cochlear osia osi300 at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $15,033.30 | $118.80 – $7,637.97 |
| Banner Estrella Medical Center | Phoenix | $9,602.06 | $118.80 – $19,632.49 |
| Mercy Gilbert Medical Center | Gilbert | $30,025.29 | $354.76 – $3,703.58 |
| Banner University Medical Center Tucson | Tucson | $18,029.26 | $118.80 – $16,749.57 |
| Banner University Medical Center South | Tucson | $14,823.05 | $118.80 – $11,797.34 |
| Banner Baywood Medical Center | Mesa | $9,531.97 | $118.80 – $19,632.49 |
| Banner Boswell Medical Center | Sun City | $8,620.82 | $118.80 – $14,990.76 |
| Banner Del Webb Medical Center | Sun City West | $9,111.44 | $118.80 – $7,637.97 |