Knee MRI (without contrast) at St. Joseph’s Hospital and Medical Center
350 W Thomas Rd, Phoenix, AZ · CommonSpirit Health · · NPI 1982733655
$2,892.89
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.
?
What you pay up front if you don't use insurance.
$7,573.00
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.
?
The hospital's undiscounted list price — almost no one pays this.
$218.86 with United vs $2,990.94 with MultiPlan — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 | Medicaid|All Plans | $218.86 | ↓ -92% |
| Health Choice | Medicaid|All Plans | $218.86 | ↓ -92% |
| United | Medicare|Dual Complete | $251.41 | ↓ -91% |
| Optum | Medicare|OptumCare | $257.63 | ↓ -91% |
| Mercy Care Plan | Medicaid|All Plans | $257.63 | ↓ -91% |
| Health Choice | Medicare|All Plans | $257.63 | ↓ -91% |
| BCBS - AZ | Medicare|All Plans | $257.63 | ↓ -91% |
| Aetna | Medicare|All Plans | $257.63 | ↓ -91% |
| Cigna | Medicare|All Plans | $257.63 | ↓ -91% |
| United | Medicare|All Other Plans | $257.63 | ↓ -91% |
| Humana | Medicare|All Plans | $257.63 | ↓ -91% |
| Mercy Care Plan | Medicare|All Plans | $257.63 | ↓ -91% |
| First Health | Medicare|All Plans | $257.63 | ↓ -91% |
| Care 1st | Medicare|All Plans | $257.63 | ↓ -91% |
| Devoted Health | Medicare|All Plans | $265.36 | ↓ -91% |
| Optum | Medicare|OptumHealth | $283.39 | ↓ -90% |
| United | Commercial|All Other Plans | $525.31 | ↓ -82% |
| United | Commercial|Navigate | $525.31 | ↓ -82% |
| United | Commercial|Options PPO | $525.31 | ↓ -82% |
| United | Commercial|DignityHealthEmployee | $719.34 | ↓ -75% |
| Cigna | Commercial|Exchange | $1,231.00 | ↓ -57% |
| Cigna | Commercial|LocalPlus SureFit | $1,318.00 | ↓ -54% |
| Connected Care | Commercial|Intel | $1,389.00 | ↓ -52% |
| Aetna | Commercial|All Plans | $1,530.85 | ↓ -47% |
| Cigna | Commercial|All Other Plans | $1,734.00 | ↓ -40% |
| Optum | Commercial|OptumHealth | $1,779.42 | ↓ -38% |
| Cigna | Commercial|LifeSource | $2,082.30 | ↓ -28% |
| Other | Commercial|NTN | $2,271.60 | ↓ -21% |
| LifeTrac | Commercial|All Plans | $2,460.90 | ↓ -15% |
| Aetna | Commercial|PPO | $2,484.27 | ↓ -14% |
| Aetna | Commercial|HMO | $2,484.27 | ↓ -14% |
| Aetna | Commercial|All Other Plans | $2,484.27 | ↓ -14% |
| First Health | Commercial|All Plans | $2,498.76 | ↓ -14% |
| Health Net | Commercial|Interlink | $2,650.20 | ↓ -8% |
| MultiPlan | Commercial|All Plans | $2,990.94 | ↑ +3% |
Visitor-reported prices
Comments
Knee MRI (without contrast) at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $456.77 | $166.84 – $1,784.25 |
| Banner Estrella Medical Center | Phoenix | $449.63 | $166.84 – $1,784.25 |
| Arizona General Hospital Laveen | Phoenix | $955.62 | $218.86 – $2,351.33 |
| Banner University Medical Center Tucson | Tucson | $685.61 | $166.84 – $2,964.80 |
| Banner University Medical Center South | Tucson | $585.55 | $166.84 – $2,964.80 |
| Banner Baywood Medical Center | Mesa | $421.08 | $166.84 – $1,784.25 |
| Banner Boswell Medical Center | Sun City | $349.71 | $166.84 – $1,903.20 |
| Banner Casa Grande Medical Center | Casa Grande | $471.04 | $166.84 – $1,784.25 |