Surgical pathology level 6 gross & microscopic examination at St. Joseph’s Hospital and Medical Center
350 W Thomas Rd, Phoenix, AZ · CommonSpirit Health · · NPI 1982733655
$612.73
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.
$1,604.00
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.
$304.76 with United vs $1,604.00 with BCBS - AZ — 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 | Commercial|DignityHealthEmployee | $304.76 | ↓ -50% |
| United | Commercial|Navigate | $344.10 | ↓ -44% |
| United | Medicaid|All Plans | $454.53 | ↓ -26% |
| United | Commercial|Options PPO | $491.57 | ↓ -20% |
| United | Commercial|All Other Plans | $491.57 | ↓ -20% |
| Cigna | Commercial|Exchange | $622.40 | ↑ +2% |
| Cigna | Commercial|LocalPlus SureFit | $665.19 | ↑ +9% |
| Optum | Commercial|OptumHealth | $753.88 | ↑ +23% |
| United | Medicare|Dual Complete | $849.64 | ↑ +39% |
| Health Choice | Medicaid|All Plans | $870.67 | ↑ +42% |
| Humana | Medicare|All Plans | $870.67 | ↑ +42% |
| Optum | Medicare|OptumCare | $870.67 | ↑ +42% |
| Care 1st | Medicare|All Plans | $870.67 | ↑ +42% |
| Aetna | Medicare|All Plans | $870.67 | ↑ +42% |
| Mercy Care Plan | Medicare|All Plans | $870.67 | ↑ +42% |
| First Health | Medicare|All Plans | $870.67 | ↑ +42% |
| United | Medicare|All Other Plans | $870.67 | ↑ +42% |
| Mercy Care Plan | Medicaid|All Plans | $870.67 | ↑ +42% |
| Cigna | Medicare|All Plans | $870.67 | ↑ +42% |
| Health Choice | Medicare|All Plans | $870.67 | ↑ +42% |
| BCBS - AZ | Medicare|All Plans | $870.67 | ↑ +42% |
| Cigna | Commercial|All Other Plans | $875.25 | ↑ +43% |
| Cigna | Commercial|LifeSource | $882.20 | ↑ +44% |
| Aetna | Commercial|All Plans | $888.40 | ↑ +45% |
| Optum | Medicare|OptumHealth | $957.74 | ↑ +56% |
| Other | Commercial|NTN | $962.40 | ↑ +57% |
| LifeTrac | Commercial|All Plans | $1,042.60 | ↑ +70% |
| Health Net | Commercial|Interlink | $1,122.80 | ↑ +83% |
| First Health | Commercial|All Plans | $1,122.80 | ↑ +83% |
| MultiPlan | Commercial|All Plans | $1,267.16 | ↑ +107% |
| BCBS - AZ | Commercial|MaricopaFocus | $1,305.32 | ↑ +113% |
| BCBS - AZ | Commercial|Neighborhood | $1,305.32 | ↑ +113% |
| BCBS - AZ | Commercial|All Other Plans | $1,604.00 | ↑ +162% |
| BCBS - AZ | Commercial|Workers Comp | $1,604.00 | ↑ +162% |
Visitor-reported prices
Comments
Surgical pathology level 6 gross & microscopic examination at other Arizona hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner University Medical Center Phoenix | Phoenix | $475.94 | $475.71 – $1,436.61 |
| Banner Estrella Medical Center | Phoenix | $422.86 | $475.71 – $1,436.61 |
| Arizona General Hospital Laveen | Phoenix | $429.84 | $454.53 – $1,533.51 |
| Mercy Gilbert Medical Center | Gilbert | $856.82 | $454.53 – $2,681.91 |
| Banner University Medical Center Tucson | Tucson | $453.68 | $475.71 – $1,436.61 |
| Banner University Medical Center South | Tucson | $481.07 | $475.71 – $1,436.61 |
| Banner Baywood Medical Center | Mesa | $376.64 | $475.71 – $1,436.61 |
| Banner Boswell Medical Center | Sun City | $374.93 | $475.71 – $1,436.61 |