X-ray wrist 2 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

$267.40

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.

$700.00

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.

$35.76 with United vs $539.57 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 $35.76 ↓ -87%
Health Choice Medicaid|All Plans $35.76 ↓ -87%
BCBS - AZ Commercial|MaricopaFocus $75.64 ↓ -72%
BCBS - AZ Commercial|Neighborhood $75.64 ↓ -72%
United Medicare|Dual Complete $91.58 ↓ -66%
Care 1st Medicare|All Plans $93.85 ↓ -65%
Humana Medicare|All Plans $93.85 ↓ -65%
Optum Medicare|OptumCare $93.85 ↓ -65%
Aetna Medicare|All Plans $93.85 ↓ -65%
First Health Medicare|All Plans $93.85 ↓ -65%
United Medicare|All Other Plans $93.85 ↓ -65%
Cigna Medicare|All Plans $93.85 ↓ -65%
BCBS - AZ Medicare|All Plans $93.85 ↓ -65%
Health Choice Medicare|All Plans $93.85 ↓ -65%
Mercy Care Plan Medicaid|All Plans $93.85 ↓ -65%
Mercy Care Plan Medicare|All Plans $93.85 ↓ -65%
Devoted Health Medicare|All Plans $96.67 ↓ -64%
BCBS - AZ Commercial|All Other Plans $100.86 ↓ -62%
Optum Medicare|OptumHealth $103.23 ↓ -61%
United Commercial|DignityHealthEmployee $129.77 ↓ -51%
BCBS - AZ Commercial|Workers Comp $149.48 ↓ -44%
Aetna Commercial|All Plans $160.28 ↓ -40%
Cigna Commercial|Exchange $189.46 ↓ -29%
United Commercial|Navigate $194.81 ↓ -27%
United Commercial|Options PPO $194.81 ↓ -27%
United Commercial|All Other Plans $194.81 ↓ -27%
Cigna Commercial|LocalPlus SureFit $202.81 ↓ -24%
Aetna Commercial|HMO $260.10 ↓ -3%
Aetna Commercial|All Other Plans $260.10 ↓ -3%
Aetna Commercial|PPO $260.10 ↓ -3%
Cigna Commercial|All Other Plans $266.85 ↓ -0%
Optum Commercial|OptumHealth $321.01 ↑ +20%
Cigna Commercial|LifeSource $375.65 ↑ +40%
Other Commercial|NTN $409.80 ↑ +53%
LifeTrac Commercial|All Plans $443.95 ↑ +66%
First Health Commercial|All Plans $450.78 ↑ +69%
Health Net Commercial|Interlink $478.10 ↑ +79%
MultiPlan Commercial|All Plans $539.57 ↑ +102%

Visitor-reported prices

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X-ray wrist 2 views (both sides) at other Arizona hospitals

Hospital City Cash price Negotiated range
Banner University Medical Center Phoenix Phoenix $83.75 $40.55 – $347.17
Banner Estrella Medical Center Phoenix $77.52 $58.65 – $347.17
Arizona General Hospital Laveen Phoenix $254.42 $35.76 – $407.69
Banner University Medical Center Tucson Tucson $103.80 $58.65 – $409.57
Banner University Medical Center South Tucson $106.57 $58.65 – $409.57
Banner Baywood Medical Center Mesa $85.54 $58.65 – $347.17
Banner Behavioral Health Hospital Scottsdale $174.01 $32.32 – $207.90
Banner Boswell Medical Center Sun City $72.47 $58.65 – $347.17

All Arizona hospitals for this procedure →