Fern test at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$15.18
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.
$66.00
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.
$9.45 with United Healthcare vs $62.70 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 | UHC Medicare Advantage | $9.45 | ↓ -38% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $9.74 | ↓ -36% |
| Medicare | Traditional Medicare | $9.74 | ↓ -36% |
| Clear Spring Health | Medicare Advantage | $9.74 | ↓ -36% |
| Medica | Medicare Advantage | $9.74 | ↓ -36% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $9.74 | ↓ -36% |
| Longevity | Medicare Advantage | $10.03 | ↓ -34% |
| Humana | Medicare Advantage | $10.03 | ↓ -34% |
| Devoted Health Services | Medicare Advantage | $10.23 | ↓ -33% |
| Assist Health Group | AHG Specialty Network | $11.69 | ↓ -23% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $15.27 | ↑ +1% |
| Banner Health | Banner Choice Plus/Banner Select | $16.96 | ↑ +12% |
| Denver Health Medical Plan | Commercial | $17.41 | ↑ +15% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $19.48 | ↑ +28% |
| Centivo | Self-Funded | $23.38 | ↑ +54% |
| Hue Health, Inc | Medicare Advantage | $24.84 | ↑ +64% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $30.89 | ↑ +103% |
| Coventry | Auto | $37.62 | ↑ +148% |
| United Healthcare | UHC Colorado Doctors Plan | $41.98 | ↑ +177% |
| United Healthcare | UHC Exchange | $52.54 | ↑ +246% |
| United Healthcare | Commercial | $52.54 | ↑ +246% |
| Coventry | Workers Comp | $52.80 | ↑ +248% |
| Medica | Commercial | $54.98 | ↑ +262% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $55.44 | ↑ +265% |
| Apostrophe, Inc. | Commercial | $56.10 | ↑ +270% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $56.10 | ↑ +270% |
| Decent Health | Commercial | $56.10 | ↑ +270% |
| Aetna | Commercial | $58.01 | ↑ +282% |
| Multiplan | Commercial | $62.04 | ↑ +309% |
| First Choice of the Midwest | Commercial | $62.70 | ↑ +313% |
Visitor-reported prices
Comments
Fern test at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $14.98 | $9.45 – $62.70 |
| Sterling Regional Medical Center | Sterling | $21.78 | $9.74 – $64.02 |
| East Morgan County Hospital | Brush | $40.66 | $27.81 – $64.02 |
| AdventHealth Porter | Denver | not published | $9.55 – $18.02 |
| HCA HealthONE AURORA | Aurora | not published | $5.19 – $23.67 |
| CENTRAL PARK ER, A PART OF ROSE | DENVER | not published | $4.43 – $23.67 |
| HCA HealthONE Rocky Mountain Children's at Presbyterian St. Luke's | Denver | not published | $6.20 – $23.67 |
| HCA HealthONE SKY RIDGE | Lone Tree | not published | $5.57 – $23.67 |