Surgical pathology level 5 gross & microscopic examination at Banner Fort Collins Medical Center
4700 Lady Moon Drive, Fort Collins, CO · Banner Health · · NPI 1659787554
$587.09
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.
$1,208.00
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.
$350.66 with United Healthcare vs $1,595.55 with Anthem Blue Cross Blue Shield Colorado — 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 | $350.66 | ↓ -40% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $361.51 | ↓ -38% |
| Clear Spring Health | Medicare Advantage | $361.51 | ↓ -38% |
| Medica | Medicare Advantage | $361.51 | ↓ -38% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $361.51 | ↓ -38% |
| Medicare | Traditional Medicare | $361.51 | ↓ -38% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $361.51 | ↓ -38% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plans | $361.51 | ↓ -38% |
| Longevity | Medicare Advantage | $372.36 | ↓ -37% |
| Humana | Medicare Advantage | $372.36 | ↓ -37% |
| Devoted Health Services | Medicare Advantage | $379.59 | ↓ -35% |
| Assist Health Group | AHG Specialty Network | $433.81 | ↓ -26% |
| Banner Health | Banner Choice Plus/Banner Select | $495.28 | ↓ -16% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $566.85 | ↓ -3% |
| Denver Health Medical Plan | Commercial | $646.13 | ↑ +10% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $649.90 | ↑ +11% |
| United Healthcare | UHC Colorado Doctors Plan | $724.80 | ↑ +23% |
| Hue Health, Inc | Medicare Advantage | $845.60 | ↑ +44% |
| Centivo | Self-Funded | $867.62 | ↑ +48% |
| United Healthcare | UHC Exchange | $897.54 | ↑ +53% |
| United Healthcare | Commercial | $997.81 | ↑ +70% |
| Medica | Commercial | $1,006.26 | ↑ +71% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $1,020.04 | ↑ +74% |
| Decent Health | Commercial | $1,026.80 | ↑ +75% |
| Apostrophe, Inc. | Commercial | $1,026.80 | ↑ +75% |
| Aetna | Commercial | $1,061.83 | ↑ +81% |
| First Choice Health Network | Commercial | $1,087.20 | ↑ +85% |
| Multiplan | Commercial | $1,135.52 | ↑ +93% |
| First Choice of the Midwest | Commercial | $1,147.60 | ↑ +95% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $1,595.55 | ↑ +172% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
Surgical pathology level 5 gross & microscopic examination at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner North Colorado Medical Center - Loveland Campus | Loveland | $509.78 | $310.46 – $1,147.60 |
| Sterling Regional Medical Center | Sterling | $353.97 | $200.32 – $696.46 |
| East Morgan County Hospital | Brush | $442.29 | $302.57 – $696.46 |
| AdventHealth Porter | Denver | $2,283.57 | $370.56 – $699.52 |
| HCA HealthONE AURORA | Aurora | $4,471.91 | $112.89 – $707.76 |
| CENTRAL PARK ER, A PART OF ROSE | DENVER | $1,131.00 | $96.37 – $707.76 |
| HCA HealthONE Rocky Mountain Children's at Presbyterian St. Luke's | Denver | $4,312.50 | $134.92 – $707.76 |
| HCA HealthONE SKY RIDGE | Lone Tree | $3,782.85 | $121.15 – $707.76 |