Electron microscopy diagnostic at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$999.30
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.
$2,368.00
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.
$608.58 with Banner Health vs $2,747.74 with Anthem Blue Cross Blue Shield Colorado — 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 | $608.58 | ↓ -39% |
| United Healthcare | UHC Medicare Advantage | $797.34 | ↓ -20% |
| Medica | Medicare Advantage | $822.00 | ↓ -18% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $822.00 | ↓ -18% |
| Clear Spring Health | Medicare Advantage | $822.00 | ↓ -18% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $822.00 | ↓ -18% |
| Medicare | Traditional Medicare | $822.00 | ↓ -18% |
| Longevity | Medicare Advantage | $846.66 | ↓ -15% |
| Humana | Medicare Advantage | $846.66 | ↓ -15% |
| Devoted Health Services | Medicare Advantage | $863.10 | ↓ -14% |
| Assist Health Group | AHG Specialty Network | $986.40 | ↓ -1% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $1,108.22 | ↑ +11% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $1,288.90 | ↑ +29% |
| Coventry | Auto | $1,349.76 | ↑ +35% |
| Denver Health Medical Plan | Commercial | $1,469.24 | ↑ +47% |
| United Healthcare | UHC Colorado Doctors Plan | $1,506.05 | ↑ +51% |
| Hue Health, Inc | Medicare Advantage | $1,657.60 | ↑ +66% |
| United Healthcare | UHC Exchange | $1,884.93 | ↑ +89% |
| United Healthcare | Commercial | $1,884.93 | ↑ +89% |
| Coventry | Workers Comp | $1,894.40 | ↑ +90% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $1,894.40 | ↑ +90% |
| Medica | Commercial | $1,972.54 | ↑ +97% |
| Centivo | Self-Funded | $1,972.80 | ↑ +97% |
| Decent Health | Commercial | $2,012.80 | ↑ +101% |
| Apostrophe, Inc. | Commercial | $2,012.80 | ↑ +101% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $2,012.80 | ↑ +101% |
| Aetna | Commercial | $2,081.47 | ↑ +108% |
| Multiplan | Commercial | $2,225.92 | ↑ +123% |
| First Choice of the Midwest | Commercial | $2,249.60 | ↑ +125% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $2,747.74 | ↑ +175% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
Electron microscopy diagnostic at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $1,150.85 | $796.34 – $2,249.60 |
| Sterling Regional Medical Center | Sterling | $795.70 | $450.31 – $1,565.58 |
| East Morgan County Hospital | Brush | $994.22 | $680.14 – $1,565.58 |
| AdventHealth Porter | Denver | $5,046.60 | $733.07 – $1,572.31 |
| CENTRAL PARK ER, A PART OF ROSE | DENVER | $1,168.00 | $182.87 – $1,594.44 |
| HCA HealthONE SKY RIDGE | Lone Tree | $9,029.91 | $229.89 – $1,594.44 |
| HCA HealthONE SOUTH PARKER ER, A PART OF SKY RIDGE | PARKER | $9,029.91 | $229.89 – $1,594.44 |
| AdventHealth Littleton | Littleton | $5,046.60 | $733.07 – $1,572.31 |