Discography cerv/thor spine at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$1,964.86
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.
$5,582.00
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.
$112.00 with United Healthcare vs $5,302.90 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 | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $112.00 | ↓ -94% |
| United Healthcare | UHC Colorado Doctors Plan | $155.00 | ↓ -92% |
| United Healthcare | UHC Exchange | $195.00 | ↓ -90% |
| United Healthcare | Commercial | $216.00 | ↓ -89% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $662.45 | ↓ -66% |
| Banner Health | Banner Choice Plus/Banner Select | $1,434.57 | ↓ -27% |
| United Healthcare | UHC Medicare Advantage | $1,906.01 | ↓ -3% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $1,964.96 | ↑ +0% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $1,964.96 | ↑ +0% |
| Clear Spring Health | Medicare Advantage | $1,964.96 | ↑ +0% |
| Medica | Medicare Advantage | $1,964.96 | ↑ +0% |
| Medicare | Traditional Medicare | $1,964.96 | ↑ +0% |
| Humana | Medicare Advantage | $2,023.91 | ↑ +3% |
| Longevity | Medicare Advantage | $2,023.91 | ↑ +3% |
| Devoted Health Services | Medicare Advantage | $2,063.21 | ↑ +5% |
| Assist Health Group | AHG Specialty Network | $2,357.95 | ↑ +20% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $3,081.06 | ↑ +57% |
| Coventry | Auto | $3,181.74 | ↑ +62% |
| Denver Health Medical Plan | Commercial | $3,512.17 | ↑ +79% |
| Hue Health, Inc | Medicare Advantage | $3,907.40 | ↑ +99% |
| Coventry | Workers Comp | $4,465.60 | ↑ +127% |
| Medica | Commercial | $4,649.81 | ↑ +137% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $4,688.88 | ↑ +139% |
| Centivo | Self-Funded | $4,715.90 | ↑ +140% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $4,744.70 | ↑ +141% |
| Apostrophe, Inc. | Commercial | $4,744.70 | ↑ +141% |
| Decent Health | Commercial | $4,744.70 | ↑ +141% |
| Aetna | Commercial | $4,906.58 | ↑ +150% |
| Multiplan | Commercial | $5,247.08 | ↑ +167% |
| First Choice of the Midwest | Commercial | $5,302.90 | ↑ +170% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
Discography cerv/thor spine at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| AdventHealth Porter | Denver | $7,308.79 | $140.74 – $3,810.81 |
| HCA HealthONE BELMAR ER, A PART OF SWEDISH | LAKEWOOD | $7,576.74 | $141.98 – $4,600.50 |
| HCA HealthONE MOUNTAIN RIDGE | Thornton | $6,675.21 | $141.98 – $3,947.38 |
| AdventHealth Littleton | Littleton | $7,308.79 | $140.74 – $3,810.81 |
| AdventHealth Avista | Louisville | $7,308.79 | $140.74 – $3,853.11 |
| AdventHealth Castle Rock | Castle Rock | $7,308.79 | $140.74 – $3,810.81 |
| AdventHealth Parker | Parker | $7,308.79 | $140.74 – $3,810.81 |
| HCA HealthONE AURORA | Aurora | not published | $141.98 – $4,183.92 |