healthcosts.net
Established Patient Office Visit (level 2) at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$229.12
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.
$313.00
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.
$35.98 with Banner Health vs $189.09 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 | $35.98 | ↓ -84% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $65.52 | ↓ -71% |
| Assist Health Group | AHG Specialty Network | $70.00 | ↓ -69% |
| Centivo | Self-Funded | $70.00 | ↓ -69% |
| Coventry | Auto | $79.80 | ↓ -65% |
| United Healthcare | UHC Colorado Doctors Plan | $89.04 | ↓ -61% |
| Hue Health, Inc | Medicare Advantage | $98.00 | ↓ -57% |
| United Healthcare | UHC Exchange | $111.44 | ↓ -51% |
| Coventry | Workers Comp | $112.00 | ↓ -51% |
| Medica | Commercial | $116.62 | ↓ -49% |
| Apostrophe, Inc. | Commercial | $119.00 | ↓ -48% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $119.00 | ↓ -48% |
| Decent Health | Commercial | $119.00 | ↓ -48% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $119.00 | ↓ -48% |
| Aetna | Commercial | $123.06 | ↓ -46% |
| United Healthcare | Commercial | $123.76 | ↓ -46% |
| Multiplan | Commercial | $131.60 | ↓ -43% |
| First Choice of the Midwest | Commercial | $133.00 | ↓ -42% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $189.09 | ↓ -17% |
Visitor-reported prices
Comments
Established Patient Office Visit (level 2) at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $191.24 | $57.40 – $189.09 |
| Sterling Regional Medical Center | Sterling | $214.70 | $64.17 – $223.10 |
| East Morgan County Hospital | Brush | $261.56 | $96.92 – $223.10 |