healthcosts.net
ER Visit (level 5, high severity) at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$1,796.26
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.
$2,675.00
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.
$598.42 with United Healthcare vs $4,816.00 with United Healthcare — 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 | $598.42 | ↓ -67% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $616.93 | ↓ -66% |
| Clear Spring Health | Medicare Advantage | $616.93 | ↓ -66% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $616.93 | ↓ -66% |
| Medica | Medicare Advantage | $616.93 | ↓ -66% |
| Medicare | Traditional Medicare | $616.93 | ↓ -66% |
| Humana | Medicare Advantage | $635.44 | ↓ -65% |
| Longevity | Medicare Advantage | $635.44 | ↓ -65% |
| Devoted Health Services | Medicare Advantage | $647.78 | ↓ -64% |
| Assist Health Group | AHG Specialty Network | $740.32 | ↓ -59% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $967.35 | ↓ -46% |
| Denver Health Medical Plan | Commercial | $1,102.70 | ↓ -39% |
| Banner Health | Banner Choice Plus/Banner Select | $1,252.00 | ↓ -30% |
| Centivo | Self-Funded | $1,480.63 | ↓ -18% |
| Coventry | Auto | $1,524.75 | ↓ -15% |
| Hue Health, Inc | Medicare Advantage | $1,573.17 | ↓ -12% |
| Coventry | Workers Comp | $2,140.00 | ↑ +19% |
| Medica | Commercial | $2,228.28 | ↑ +24% |
| Apostrophe, Inc. | Commercial | $2,273.75 | ↑ +27% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $2,273.75 | ↑ +27% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $2,273.75 | ↑ +27% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $2,360.00 | ↑ +31% |
| Multiplan | Commercial | $2,514.50 | ↑ +40% |
| First Choice of the Midwest | Commercial | $2,541.25 | ↑ +41% |
| United Healthcare | UHC Colorado Doctors Plan | $3,468.00 | ↑ +93% |
| Aetna | Commercial | $3,979.00 | ↑ +122% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $4,334.00 | ↑ +141% |
| United Healthcare | UHC Exchange | $4,334.00 | ↑ +141% |
| Decent Health | Commercial | $4,750.00 | ↑ +164% |
| United Healthcare | Commercial | $4,816.00 | ↑ +168% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
ER Visit (level 5, high severity) at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $2,245.25 | $597.67 – $4,750.00 |
| Sterling Regional Medical Center | Sterling | $1,865.05 | $407.34 – $1,416.20 |
| East Morgan County Hospital | Brush | $2,627.34 | $328.69 – $756.60 |