Adh-sendout at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$23.46
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.
$102.00
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.
$26.21 with Banner Health vs $96.90 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 |
|---|---|---|---|
| Banner Health | Banner Choice Plus/Banner Select | $26.21 | ↑ +12% |
| United Healthcare | UHC Medicare Advantage | $32.92 | ↑ +40% |
| Medicare | Traditional Medicare | $33.94 | ↑ +45% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $33.94 | ↑ +45% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $33.94 | ↑ +45% |
| Medica | Medicare Advantage | $33.94 | ↑ +45% |
| Clear Spring Health | Medicare Advantage | $33.94 | ↑ +45% |
| Longevity | Medicare Advantage | $34.96 | ↑ +49% |
| Humana | Medicare Advantage | $34.96 | ↑ +49% |
| Devoted Health Services | Medicare Advantage | $35.64 | ↑ +52% |
| Assist Health Group | AHG Specialty Network | $40.73 | ↑ +74% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $47.74 | ↑ +103% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $53.22 | ↑ +127% |
| Coventry | Auto | $58.14 | ↑ +148% |
| Denver Health Medical Plan | Commercial | $60.66 | ↑ +159% |
| United Healthcare | UHC Colorado Doctors Plan | $64.87 | ↑ +177% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $67.88 | ↑ +189% |
| Hue Health, Inc | Medicare Advantage | $71.40 | ↑ +204% |
| United Healthcare | Commercial | $81.19 | ↑ +246% |
| United Healthcare | UHC Exchange | $81.19 | ↑ +246% |
| Centivo | Self-Funded | $81.46 | ↑ +247% |
| Coventry | Workers Comp | $81.60 | ↑ +248% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $81.60 | ↑ +248% |
| Medica | Commercial | $84.97 | ↑ +262% |
| Apostrophe, Inc. | Commercial | $86.70 | ↑ +270% |
| Decent Health | Commercial | $86.70 | ↑ +270% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $86.70 | ↑ +270% |
| Aetna | Commercial | $89.66 | ↑ +282% |
| Multiplan | Commercial | $95.88 | ↑ +309% |
| First Choice of the Midwest | Commercial | $96.90 | ↑ +313% |
Visitor-reported prices
Comments
Adh-sendout at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $23.15 | $32.92 – $96.90 |
| Sterling Regional Medical Center | Sterling | $33.66 | $28.46 – $98.94 |
| East Morgan County Hospital | Brush | $62.83 | $42.98 – $98.94 |
| AdventHealth Porter | Denver | $319.63 | $33.26 – $62.79 |
| CENTRAL PARK ER, A PART OF ROSE | DENVER | $230.00 | $15.44 – $82.47 |
| HCA HealthONE MOUNTAIN RIDGE | Thornton | $954.46 | $16.10 – $82.47 |
| AdventHealth Littleton | Littleton | $319.63 | $33.26 – $62.79 |
| AdventHealth Avista | Louisville | $319.63 | $33.26 – $62.79 |