MRA spinal canal at St. Joseph’s Hospital and Medical Center
350 W Thomas Rd, Phoenix, AZ · CommonSpirit Health · · NPI 1982733655
$943.54
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.
$2,470.00
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.
$372.64 with Health Choice vs $2,470.00 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 | $372.64 | ↓ -61% |
| United | Medicaid|All Plans | $372.64 | ↓ -61% |
| United | Commercial|DignityHealthEmployee | $469.30 | ↓ -50% |
| United | Commercial|All Other Plans | $598.97 | ↓ -37% |
| United | Commercial|Options PPO | $598.97 | ↓ -37% |
| United | Commercial|Navigate | $598.97 | ↓ -37% |
| Optum | Commercial|OptumHealth | $1,160.90 | ↑ +23% |
| Cigna | Commercial|Exchange | $1,231.00 | ↑ +30% |
| Cigna | Commercial|LocalPlus SureFit | $1,318.00 | ↑ +40% |
| Cigna | Commercial|LifeSource | $1,358.50 | ↑ +44% |
| Connected Care | Commercial|Intel | $1,389.00 | ↑ +47% |
| Other | Commercial|NTN | $1,482.00 | ↑ +57% |
| LifeTrac | Commercial|All Plans | $1,605.50 | ↑ +70% |
| First Health | Commercial|All Plans | $1,630.20 | ↑ +73% |
| Health Net | Commercial|Interlink | $1,729.00 | ↑ +83% |
| Cigna | Commercial|All Other Plans | $1,734.00 | ↑ +84% |
| Aetna | Commercial|All Plans | $1,838.25 | ↑ +95% |
| MultiPlan | Commercial|All Plans | $1,951.30 | ↑ +107% |
| Aetna | Commercial|PPO | $2,470.00 | ↑ +162% |
| Aetna | Commercial|HMO | $2,470.00 | ↑ +162% |
| Aetna | Commercial|All Other Plans | $2,470.00 | ↑ +162% |
Visitor-reported prices
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MRA spinal canal at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $732.63 | $506.20 – $1,898.25 |
| Mercy Gilbert Medical Center | Gilbert | $607.62 | $345.80 – $2,470.00 |
| Banner University Medical Center Tucson | Tucson | $758.99 | $500.37 – $2,468.00 |
| Banner Del Webb Medical Center | Sun City West | $1,010.38 | $506.20 – $2,024.80 |
| Banner Desert Medical Center | Mesa | $793.36 | $506.20 – $1,898.25 |
| Banner Ironwood Medical Center | San Tan Valley | $1,150.26 | $506.20 – $1,898.25 |
| Banner Gateway Medical Center | Gilbert | $459.32 | $506.20 – $1,898.25 |
| Banner Ocotillo Medical Center | Chandler | $1,148.29 | $506.20 – $1,898.25 |