Western blot test at Banner Fort Collins Medical Center
4700 Lady Moon Drive, Fort Collins, CO · Banner Health · · NPI 1659787554
$39.50
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.
$174.00
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.
$16.52 with United Healthcare vs $98.80 with First Choice of the Midwest — 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 | $16.52 | ↓ -58% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $17.03 | ↓ -57% |
| Medica | Medicare Advantage | $17.03 | ↓ -57% |
| Clear Spring Health | Medicare Advantage | $17.03 | ↓ -57% |
| Cigna Healthcare of Arizona, Inc. | PPO Medicare Advantage Plan | $17.03 | ↓ -57% |
| Cigna Healthcare of Arizona, Inc. | HMO Medicare Advantage Plans | $17.03 | ↓ -57% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $17.03 | ↓ -57% |
| Medicare | Traditional Medicare | $17.03 | ↓ -57% |
| Longevity | Medicare Advantage | $17.54 | ↓ -56% |
| Humana | Medicare Advantage | $17.54 | ↓ -56% |
| Devoted Health Services | Medicare Advantage | $17.88 | ↓ -55% |
| Assist Health Group | AHG Specialty Network | $20.44 | ↓ -48% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $26.70 | ↓ -32% |
| Denver Health Medical Plan | Commercial | $30.44 | ↓ -23% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $34.06 | ↓ -14% |
| Centivo | Self-Funded | $40.87 | ↑ +3% |
| Banner Health | Banner Choice Plus/Banner Select | $42.64 | ↑ +8% |
| Hue Health, Inc | Medicare Advantage | $43.43 | ↑ +10% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $55.95 | ↑ +42% |
| United Healthcare | UHC Colorado Doctors Plan | $62.40 | ↑ +58% |
| United Healthcare | UHC Exchange | $77.27 | ↑ +96% |
| United Healthcare | Commercial | $85.90 | ↑ +117% |
| Medica | Commercial | $86.63 | ↑ +119% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $87.82 | ↑ +122% |
| Apostrophe, Inc. | Commercial | $88.40 | ↑ +124% |
| Decent Health | Commercial | $88.40 | ↑ +124% |
| Aetna | Commercial | $91.42 | ↑ +131% |
| First Choice Health Network | Commercial | $93.60 | ↑ +137% |
| Multiplan | Commercial | $97.76 | ↑ +147% |
| First Choice of the Midwest | Commercial | $98.80 | ↑ +150% |
Visitor-reported prices
Comments
Western blot test at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner North Colorado Medical Center - Loveland Campus | Loveland | $40.02 | $16.52 – $98.80 |
| Sterling Regional Medical Center | Sterling | $57.42 | $17.03 – $100.88 |
| East Morgan County Hospital | Brush | $107.18 | $43.83 – $100.88 |
| AdventHealth Porter | Denver | $278.09 | $16.69 – $31.51 |
| AdventHealth Littleton | Littleton | $278.09 | $16.69 – $31.51 |
| AdventHealth Avista | Louisville | $278.09 | $16.69 – $31.51 |
| AdventHealth Castle Rock | Castle Rock | $278.09 | $16.69 – $31.51 |
| AdventHealth Parker | Parker | $278.09 | $16.69 – $31.51 |