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Lower Back (Lumbar Spine) MRI (without contrast) at Banner Fort Collins Medical Center
4700 Lady Moon Drive, Fort Collins, CO · Banner Health · · NPI 1659787554
$336.10
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.
$1,067.00
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.
$235.63 with United Healthcare vs $1,370.00 with United Healthcare — 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 |
|---|---|---|---|
| United Healthcare | UHC Medicare Advantage | $235.63 | ↓ -30% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $242.92 | ↓ -28% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plans | $242.92 | ↓ -28% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $242.92 | ↓ -28% |
| Clear Spring Health | Medicare Advantage | $242.92 | ↓ -28% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $242.92 | ↓ -28% |
| Medica | Medicare Advantage | $242.92 | ↓ -28% |
| Medicare | Traditional Medicare | $242.92 | ↓ -28% |
| Humana | Medicare Advantage | $250.21 | ↓ -26% |
| Longevity | Medicare Advantage | $250.21 | ↓ -26% |
| Devoted Health Services | Medicare Advantage | $255.07 | ↓ -24% |
| Assist Health Group | AHG Specialty Network | $291.50 | ↓ -13% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $380.90 | ↑ +13% |
| Denver Health Medical Plan | Commercial | $434.17 | ↑ +29% |
| Banner Health | Banner Choice Plus/Banner Select | $437.47 | ↑ +30% |
| Centivo | Self-Funded | $583.01 | ↑ +73% |
| Hue Health, Inc | Medicare Advantage | $619.45 | ↑ +84% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $867.00 | ↑ +158% |
| Medica | Commercial | $888.81 | ↑ +164% |
| Aetna | Commercial | $900.00 | ↑ +168% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $900.97 | ↑ +168% |
| Apostrophe, Inc. | Commercial | $906.95 | ↑ +170% |
| Decent Health | Commercial | $906.95 | ↑ +170% |
| First Choice Health Network | Commercial | $960.30 | ↑ +186% |
| United Healthcare | UHC Colorado Doctors Plan | $987.00 | ↑ +194% |
| Multiplan | Commercial | $1,002.98 | ↑ +198% |
| First Choice of the Midwest | Commercial | $1,013.65 | ↑ +202% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $1,119.00 | ↑ +233% |
| United Healthcare | UHC Exchange | $1,234.00 | ↑ +267% |
| United Healthcare | Commercial | $1,370.00 | ↑ +308% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
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Lower Back (Lumbar Spine) MRI (without contrast) at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner North Colorado Medical Center - Loveland Campus | Loveland | $305.16 | $235.93 – $1,013.65 |
| Sterling Regional Medical Center | Sterling | $454.83 | $242.92 – $1,683.92 |
| East Morgan County Hospital | Brush | $1,057.22 | $64.47 – $148.41 |