Dch validity tests at Banner Fort Collins Medical Center
4700 Lady Moon Drive, Fort Collins, CO · Banner Health · · NPI 1659787554
$1.41
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.
$11.00
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.
$3.38 with United Healthcare vs $10.45 with First Choice of the Midwest — 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 Healthcare | UHC Medicare Advantage | $3.38 | ↑ +140% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $3.48 | ↑ +147% |
| Clear Spring Health | Medicare Advantage | $3.48 | ↑ +147% |
| Medica | Medicare Advantage | $3.48 | ↑ +147% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $3.48 | ↑ +147% |
| Medicare | Traditional Medicare | $3.48 | ↑ +147% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $3.48 | ↑ +147% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plans | $3.48 | ↑ +147% |
| Longevity | Medicare Advantage | $3.58 | ↑ +154% |
| Humana | Medicare Advantage | $3.58 | ↑ +154% |
| Devoted Health Services | Medicare Advantage | $3.65 | ↑ +159% |
| Assist Health Group | AHG Specialty Network | $4.18 | ↑ +196% |
| Banner Health | Banner Choice Plus/Banner Select | $4.51 | ↑ +220% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $5.46 | ↑ +287% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $5.92 | ↑ +320% |
| Denver Health Medical Plan | Commercial | $6.22 | ↑ +341% |
| United Healthcare | UHC Colorado Doctors Plan | $6.60 | ↑ +368% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $6.96 | ↑ +394% |
| Hue Health, Inc | Medicare Advantage | $7.70 | ↑ +446% |
| United Healthcare | UHC Exchange | $8.17 | ↑ +479% |
| Centivo | Self-Funded | $8.35 | ↑ +492% |
| United Healthcare | Commercial | $9.09 | ↑ +545% |
| Medica | Commercial | $9.16 | ↑ +550% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $9.29 | ↑ +559% |
| Apostrophe, Inc. | Commercial | $9.35 | ↑ +563% |
| Decent Health | Commercial | $9.35 | ↑ +563% |
| Aetna | Commercial | $9.67 | ↑ +586% |
| First Choice Health Network | Commercial | $9.90 | ↑ +602% |
| Multiplan | Commercial | $10.34 | ↑ +633% |
| First Choice of the Midwest | Commercial | $10.45 | ↑ +641% |
Visitor-reported prices
Comments
Dch validity tests at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner North Colorado Medical Center - Loveland Campus | Loveland | $1.96 | $2.83 – $10.45 |
| Sterling Regional Medical Center | Sterling | $4.31 | $3.07 – $10.67 |
| East Morgan County Hospital | Brush | $6.05 | $4.64 – $10.67 |
| AdventHealth Porter | Denver | $90.15 | $3.41 – $6.44 |
| HCA HealthONE BELMAR ER, A PART OF SWEDISH | LAKEWOOD | $114.71 | $2.03 – $8.46 |
| HCA HealthONE PRESBYTERIAN ST. LUKE'S REHABILITATION, A PART OF SPALDING REHABILITATION | Denver | $53.71 | $3.45 – $3.65 |
| AdventHealth Littleton | Littleton | $90.15 | $3.41 – $6.44 |
| AdventHealth Avista | Louisville | $90.15 | $3.41 – $6.44 |