Dch validity tests at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$1.96
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.
$11.00
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.
$2.83 with Banner Health vs $10.45 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 | $2.83 | ↑ +44% |
| United Healthcare | UHC Medicare Advantage | $3.38 | ↑ +72% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $3.48 | ↑ +78% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $3.48 | ↑ +78% |
| Medica | Medicare Advantage | $3.48 | ↑ +78% |
| Medicare | Traditional Medicare | $3.48 | ↑ +78% |
| Clear Spring Health | Medicare Advantage | $3.48 | ↑ +78% |
| Longevity | Medicare Advantage | $3.58 | ↑ +83% |
| Humana | Medicare Advantage | $3.58 | ↑ +83% |
| Devoted Health Services | Medicare Advantage | $3.65 | ↑ +86% |
| Assist Health Group | AHG Specialty Network | $4.18 | ↑ +113% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $5.15 | ↑ +163% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $5.46 | ↑ +179% |
| Denver Health Medical Plan | Commercial | $6.22 | ↑ +217% |
| Coventry | Auto | $6.27 | ↑ +220% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $6.96 | ↑ +255% |
| United Healthcare | UHC Colorado Doctors Plan | $7.00 | ↑ +257% |
| Hue Health, Inc | Medicare Advantage | $7.70 | ↑ +293% |
| Centivo | Self-Funded | $8.35 | ↑ +326% |
| United Healthcare | Commercial | $8.76 | ↑ +347% |
| United Healthcare | UHC Exchange | $8.76 | ↑ +347% |
| Coventry | Workers Comp | $8.80 | ↑ +349% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $8.80 | ↑ +349% |
| Medica | Commercial | $9.16 | ↑ +367% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $9.35 | ↑ +377% |
| Apostrophe, Inc. | Commercial | $9.35 | ↑ +377% |
| Decent Health | Commercial | $9.35 | ↑ +377% |
| Aetna | Commercial | $9.67 | ↑ +393% |
| Multiplan | Commercial | $10.34 | ↑ +428% |
| First Choice of the Midwest | Commercial | $10.45 | ↑ +433% |
Visitor-reported prices
Comments
Dch validity tests at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $1.41 | $3.38 – $10.45 |
| Sterling Regional Medical Center | Sterling | $4.31 | $3.07 – $10.67 |
| East Morgan County Hospital | Brush | $6.05 | $4.64 – $10.67 |
| AdventHealth Porter | Denver | $90.15 | $3.41 – $6.44 |
| HCA HealthONE BELMAR ER, A PART OF SWEDISH | LAKEWOOD | $114.71 | $2.03 – $8.46 |
| HCA HealthONE PRESBYTERIAN ST. LUKE'S REHABILITATION, A PART OF SPALDING REHABILITATION | Denver | $53.71 | $3.45 – $3.65 |
| AdventHealth Littleton | Littleton | $90.15 | $3.41 – $6.44 |
| AdventHealth Avista | Louisville | $90.15 | $3.41 – $6.44 |