Ins/rplc spi npg/rcvr pocket at Banner Fort Collins Medical Center
4700 Lady Moon Drive, Fort Collins, CO · Banner Health · · NPI 1659787554
$3,392.73
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.
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What you pay up front if you don't use insurance.
$8,611.00
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.
$3,530.51 with Banner Health vs $73,500.84 with Centivo — 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 |
|---|---|---|---|
| Banner Health | Banner Choice Plus/Banner Select | $3,530.51 | ↑ +4% |
| Hue Health, Inc | Medicare Advantage | $6,027.70 | ↑ +78% |
| Medica | Commercial | $7,172.96 | ↑ +111% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $7,271.13 | ↑ +114% |
| Decent Health | Commercial | $7,319.35 | ↑ +116% |
| Apostrophe, Inc. | Commercial | $7,319.35 | ↑ +116% |
| First Choice Health Network | Commercial | $7,749.90 | ↑ +128% |
| Multiplan | Commercial | $8,094.34 | ↑ +139% |
| First Choice of the Midwest | Commercial | $8,180.45 | ↑ +141% |
| Aetna | Commercial | $13,923.00 | ↑ +310% |
| United Healthcare | UHC Medicare Advantage | $29,706.59 | ↑ +776% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $30,625.35 | ↑ +803% |
| Medicare | Traditional Medicare | $30,625.35 | ↑ +803% |
| Medica | Medicare Advantage | $30,625.35 | ↑ +803% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $30,625.35 | ↑ +803% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $30,625.35 | ↑ +803% |
| Clear Spring Health | Medicare Advantage | $30,625.35 | ↑ +803% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plans | $30,625.35 | ↑ +803% |
| Humana | Medicare Advantage | $31,544.11 | ↑ +830% |
| Longevity | Medicare Advantage | $31,544.11 | ↑ +830% |
| Devoted Health Services | Medicare Advantage | $32,156.62 | ↑ +848% |
| Assist Health Group | AHG Specialty Network | $36,750.42 | ↑ +983% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $48,020.55 | ↑ +1315% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $51,323.00 | ↑ +1413% |
| Denver Health Medical Plan | Commercial | $54,736.69 | ↑ +1513% |
| Centivo | Self-Funded | $73,500.84 | ↑ +2066% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
Ins/rplc spi npg/rcvr pocket at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner North Colorado Medical Center - Loveland Campus | Loveland | $3,849.12 | $2,213.03 – $73,593.00 |
| AdventHealth Porter | Denver | $85,568.23 | $604.87 – $60,219.88 |
| AdventHealth Littleton | Littleton | $85,568.23 | $604.87 – $60,219.88 |
| AdventHealth Avista | Louisville | $85,568.23 | $604.87 – $60,888.27 |
| AdventHealth Castle Rock | Castle Rock | $85,568.23 | $604.87 – $60,219.88 |
| AdventHealth Parker | Parker | $85,568.23 | $604.87 – $60,219.88 |
| HCA HealthONE AURORA | Aurora | not published | $47,781.86 – $49,793.72 |
| CENTRAL PARK ER, A PART OF ROSE | DENVER | not published | $47,781.86 – $49,793.72 |