Surgical pathology level 6 gross & microscopic examination at Banner Fort Collins Medical Center
4700 Lady Moon Drive, Fort Collins, CO · Banner Health · · NPI 1659787554
$823.77
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.
$1,695.00
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.
$694.95 with Banner Health vs $2,379.74 with Anthem Blue Cross Blue Shield Colorado — 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 | $694.95 | ↓ -16% |
| United Healthcare | UHC Medicare Advantage | $796.34 | ↓ -3% |
| Clear Spring Health | Medicare Advantage | $820.97 | ↓ -0% |
| Medica | Medicare Advantage | $820.97 | ↓ -0% |
| Medicare | Traditional Medicare | $820.97 | ↓ -0% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $820.97 | ↓ -0% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $820.97 | ↓ -0% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plans | $820.97 | ↓ -0% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $820.97 | ↓ -0% |
| Humana | Medicare Advantage | $845.60 | ↑ +3% |
| Longevity | Medicare Advantage | $845.60 | ↑ +3% |
| Devoted Health Services | Medicare Advantage | $862.02 | ↑ +5% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $911.91 | ↑ +11% |
| Assist Health Group | AHG Specialty Network | $985.16 | ↑ +20% |
| United Healthcare | UHC Colorado Doctors Plan | $1,017.00 | ↑ +23% |
| Hue Health, Inc | Medicare Advantage | $1,186.50 | ↑ +44% |
| United Healthcare | UHC Exchange | $1,259.38 | ↑ +53% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $1,287.28 | ↑ +56% |
| United Healthcare | Commercial | $1,400.07 | ↑ +70% |
| Medica | Commercial | $1,411.93 | ↑ +71% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $1,431.26 | ↑ +74% |
| Decent Health | Commercial | $1,440.75 | ↑ +75% |
| Apostrophe, Inc. | Commercial | $1,440.75 | ↑ +75% |
| Denver Health Medical Plan | Commercial | $1,467.32 | ↑ +78% |
| Aetna | Commercial | $1,489.90 | ↑ +81% |
| First Choice Health Network | Commercial | $1,525.50 | ↑ +85% |
| Multiplan | Commercial | $1,593.30 | ↑ +93% |
| First Choice of the Midwest | Commercial | $1,610.25 | ↑ +95% |
| Centivo | Self-Funded | $1,970.33 | ↑ +139% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $2,379.74 | ↑ +189% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
Surgical pathology level 6 gross & microscopic examination at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner North Colorado Medical Center - Loveland Campus | Loveland | $715.29 | $435.62 – $1,972.80 |
| Sterling Regional Medical Center | Sterling | $795.70 | $450.31 – $1,565.58 |
| East Morgan County Hospital | Brush | $994.22 | $680.14 – $1,565.58 |
| AdventHealth Porter | Denver | $4,803.71 | $532.17 – $1,572.31 |
| HCA HealthONE AURORA | Aurora | $4,998.06 | $159.49 – $1,594.44 |
| CENTRAL PARK ER, A PART OF ROSE | DENVER | $2,404.00 | $136.15 – $1,594.44 |
| HCA HealthONE Rocky Mountain Children's at Presbyterian St. Luke's | Denver | $6,189.75 | $190.61 – $1,594.44 |
| HCA HealthONE SKY RIDGE | Lone Tree | $4,219.57 | $171.16 – $1,594.44 |