X-ray knee 3 views (both sides) at St. Joseph’s Hospital and Medical Center

350 W Thomas Rd, Phoenix, AZ · CommonSpirit Health · · NPI 1982733655

Source: hospital's published price file ↗ · Published Feb 28, 2026 · Ingested Sep 10, 2026

$366.34

Cash price

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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.

Full explanation →

What you pay up front if you don't use insurance.

$959.00

Gross charge

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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.

Full explanation →

The hospital's undiscounted list price — almost no one pays this.

$42.91 with United vs $757.61 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 →

Payer
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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
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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 $42.91 ↓ -88%
Health Choice Medicaid|All Plans $42.91 ↓ -88%
United Medicare|Dual Complete $91.58 ↓ -75%
BCBS - AZ Commercial|MaricopaFocus $93.14 ↓ -75%
BCBS - AZ Commercial|Neighborhood $93.14 ↓ -75%
Care 1st Medicare|All Plans $93.85 ↓ -74%
Humana Medicare|All Plans $93.85 ↓ -74%
Optum Medicare|OptumCare $93.85 ↓ -74%
Aetna Medicare|All Plans $93.85 ↓ -74%
First Health Medicare|All Plans $93.85 ↓ -74%
United Medicare|All Other Plans $93.85 ↓ -74%
Cigna Medicare|All Plans $93.85 ↓ -74%
BCBS - AZ Medicare|All Plans $93.85 ↓ -74%
Health Choice Medicare|All Plans $93.85 ↓ -74%
Mercy Care Plan Medicaid|All Plans $93.85 ↓ -74%
Mercy Care Plan Medicare|All Plans $93.85 ↓ -74%
Devoted Health Medicare|All Plans $96.67 ↓ -74%
Optum Medicare|OptumHealth $103.23 ↓ -72%
BCBS - AZ Commercial|All Other Plans $124.19 ↓ -66%
United Commercial|DignityHealthEmployee $182.21 ↓ -50%
BCBS - AZ Commercial|Workers Comp $184.06 ↓ -50%
Cigna Commercial|Exchange $189.46 ↓ -48%
United Commercial|Navigate $194.81 ↓ -47%
United Commercial|Options PPO $194.81 ↓ -47%
United Commercial|All Other Plans $194.81 ↓ -47%
Aetna Commercial|All Plans $197.78 ↓ -46%
Cigna Commercial|LocalPlus SureFit $202.81 ↓ -45%
Cigna Commercial|All Other Plans $266.85 ↓ -27%
Aetna Commercial|PPO $320.96 ↓ -12%
Aetna Commercial|HMO $320.96 ↓ -12%
Aetna Commercial|All Other Plans $320.96 ↓ -12%
Optum Commercial|OptumHealth $450.73 ↑ +23%
Cigna Commercial|LifeSource $527.45 ↑ +44%
Other Commercial|NTN $575.40 ↑ +57%
LifeTrac Commercial|All Plans $623.35 ↑ +70%
First Health Commercial|All Plans $632.94 ↑ +73%
Health Net Commercial|Interlink $671.30 ↑ +83%
MultiPlan Commercial|All Plans $757.61 ↑ +107%

Visitor-reported prices

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X-ray knee 3 views (both sides) at other Arizona hospitals

Hospital City Cash price Negotiated range
Banner University Medical Center Phoenix Phoenix $112.80 $49.94 – $347.17
Banner Estrella Medical Center Phoenix $104.40 $58.65 – $347.17
Arizona General Hospital Laveen Phoenix $373.50 $42.91 – $693.64
Banner University Medical Center Tucson Tucson $151.20 $58.65 – $409.57
Banner University Medical Center South Tucson $155.23 $58.65 – $409.57
Banner Baywood Medical Center Mesa $115.20 $58.65 – $347.17
Banner Behavioral Health Hospital Scottsdale $234.35 $39.80 – $280.00
Banner Boswell Medical Center Sun City $97.60 $58.65 – $347.17

All Arizona hospitals for this procedure →