Chromogenic substrate assay at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$17.48
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.
$62.00
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.
$11.53 with United Healthcare vs $58.90 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 |
|---|---|---|---|
| United Healthcare | UHC Medicare Advantage | $11.53 | ↓ -34% |
| Clear Spring Health | Medicare Advantage | $11.89 | ↓ -32% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $11.89 | ↓ -32% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $11.89 | ↓ -32% |
| Medica | Medicare Advantage | $11.89 | ↓ -32% |
| Medicare | Traditional Medicare | $11.89 | ↓ -32% |
| Humana | Medicare Advantage | $12.25 | ↓ -30% |
| Longevity | Medicare Advantage | $12.25 | ↓ -30% |
| Devoted Health Services | Medicare Advantage | $12.48 | ↓ -29% |
| Assist Health Group | AHG Specialty Network | $14.27 | ↓ -18% |
| Banner Health | Banner Choice Plus/Banner Select | $15.93 | ↓ -9% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $18.64 | ↑ +7% |
| Denver Health Medical Plan | Commercial | $21.25 | ↑ +22% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $23.78 | ↑ +36% |
| Centivo | Self-Funded | $28.54 | ↑ +63% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $29.02 | ↑ +66% |
| Hue Health, Inc | Medicare Advantage | $30.32 | ↑ +73% |
| Coventry | Auto | $35.34 | ↑ +102% |
| United Healthcare | UHC Colorado Doctors Plan | $39.43 | ↑ +126% |
| United Healthcare | Commercial | $49.35 | ↑ +182% |
| United Healthcare | UHC Exchange | $49.35 | ↑ +182% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $49.60 | ↑ +184% |
| Coventry | Workers Comp | $49.60 | ↑ +184% |
| Medica | Commercial | $51.65 | ↑ +195% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $52.70 | ↑ +201% |
| Decent Health | Commercial | $52.70 | ↑ +201% |
| Apostrophe, Inc. | Commercial | $52.70 | ↑ +201% |
| Aetna | Commercial | $54.50 | ↑ +212% |
| Multiplan | Commercial | $58.28 | ↑ +233% |
| First Choice of the Midwest | Commercial | $58.90 | ↑ +237% |
Visitor-reported prices
Comments
Chromogenic substrate assay at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| CENTRAL PARK ER, A PART OF ROSE | DENVER | $794.00 | $5.41 – $28.89 |
| AdventHealth Porter | Denver | not published | $11.65 – $22.00 |
| HCA HealthONE AURORA | Aurora | not published | $6.34 – $28.89 |
| HCA HealthONE Rocky Mountain Children's at Presbyterian St. Luke's | Denver | not published | $7.58 – $28.89 |
| HCA HealthONE SKY RIDGE | Lone Tree | not published | $6.80 – $28.89 |
| HCA HealthONE SOUTH PARKER ER, A PART OF SKY RIDGE | PARKER | not published | $6.80 – $41.88 |
| HCA HealthONE BELMAR ER, A PART OF SWEDISH | LAKEWOOD | not published | $6.96 – $28.89 |
| HCA HealthONE MOUNTAIN RIDGE | Thornton | not published | $5.64 – $28.89 |