Surgical pathology level 4 gross & microscopic examination at St. Joseph’s Hospital and Medical Center
350 W Thomas Rd, Phoenix, AZ · CommonSpirit Health · · NPI 1982733655
$460.70
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.
$1,206.00
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.
$21.68 with United vs $925.09 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 | $21.68 | ↓ -95% |
| United | Commercial|Options PPO | $30.98 | ↓ -93% |
| United | Commercial|All Other Plans | $30.98 | ↓ -93% |
| United | Medicare|Dual Complete | $55.57 | ↓ -88% |
| Aetna | Medicare|All Plans | $56.95 | ↓ -88% |
| Mercy Care Plan | Medicare|All Plans | $56.95 | ↓ -88% |
| First Health | Medicare|All Plans | $56.95 | ↓ -88% |
| Health Choice | Medicaid|All Plans | $56.95 | ↓ -88% |
| Humana | Medicare|All Plans | $56.95 | ↓ -88% |
| Optum | Medicare|OptumCare | $56.95 | ↓ -88% |
| Care 1st | Medicare|All Plans | $56.95 | ↓ -88% |
| United | Medicare|All Other Plans | $56.95 | ↓ -88% |
| Mercy Care Plan | Medicaid|All Plans | $56.95 | ↓ -88% |
| Cigna | Medicare|All Plans | $56.95 | ↓ -88% |
| BCBS - AZ | Medicare|All Plans | $56.95 | ↓ -88% |
| Health Choice | Medicare|All Plans | $56.95 | ↓ -88% |
| Optum | Medicare|OptumHealth | $62.65 | ↓ -86% |
| Cigna | Commercial|Exchange | $73.31 | ↓ -84% |
| United | Medicaid|All Plans | $75.46 | ↓ -84% |
| Cigna | Commercial|LocalPlus SureFit | $78.35 | ↓ -83% |
| Cigna | Commercial|All Other Plans | $103.10 | ↓ -78% |
| Aetna | Commercial|All Plans | $103.50 | ↓ -78% |
| BCBS - AZ | Commercial|MaricopaFocus | $141.58 | ↓ -69% |
| BCBS - AZ | Commercial|Neighborhood | $141.58 | ↓ -69% |
| BCBS - AZ | Commercial|All Other Plans | $188.77 | ↓ -59% |
| United | Commercial|DignityHealthEmployee | $222.49 | ↓ -52% |
| BCBS - AZ | Commercial|Workers Comp | $278.56 | ↓ -40% |
| Optum | Commercial|OptumHealth | $550.37 | ↑ +19% |
| Cigna | Commercial|LifeSource | $644.05 | ↑ +40% |
| Other | Commercial|NTN | $702.60 | ↑ +53% |
| LifeTrac | Commercial|All Plans | $761.15 | ↑ +65% |
| Health Net | Commercial|Interlink | $819.70 | ↑ +78% |
| First Health | Commercial|All Plans | $819.70 | ↑ +78% |
| MultiPlan | Commercial|All Plans | $925.09 | ↑ +101% |
Visitor-reported prices
Comments
Surgical pathology level 4 gross & microscopic examination at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $141.22 | $36.08 – $282.00 |
| Banner Estrella Medical Center | Phoenix | $125.48 | $36.08 – $282.00 |
| Arizona General Hospital Laveen | Phoenix | $961.58 | $30.97 – $1,032.69 |
| Mercy Gilbert Medical Center | Gilbert | $1,002.95 | $31.92 – $175.56 |
| Banner University Medical Center Tucson | Tucson | $71.02 | $36.08 – $127.20 |
| Banner University Medical Center South | Tucson | $75.31 | $36.08 – $127.20 |
| Banner Baywood Medical Center | Mesa | $111.76 | $36.08 – $282.00 |
| Banner Boswell Medical Center | Sun City | $111.25 | $36.08 – $300.80 |