Hdr rdncl ntrstl/icav brchtx at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$2,883.63
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.
$5,897.00
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.
$677.20 with United Healthcare vs $5,602.15 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 | $677.20 | ↓ -77% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $698.14 | ↓ -76% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $698.14 | ↓ -76% |
| Clear Spring Health | Medicare Advantage | $698.14 | ↓ -76% |
| Medicare | Traditional Medicare | $698.14 | ↓ -76% |
| Medica | Medicare Advantage | $698.14 | ↓ -76% |
| Longevity | Medicare Advantage | $719.08 | ↓ -75% |
| Humana | Medicare Advantage | $719.08 | ↓ -75% |
| Devoted Health Services | Medicare Advantage | $733.05 | ↓ -75% |
| Assist Health Group | AHG Specialty Network | $837.77 | ↓ -71% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $1,094.68 | ↓ -62% |
| Denver Health Medical Plan | Commercial | $1,247.86 | ↓ -57% |
| Banner Health | Banner Choice Plus/Banner Select | $1,515.53 | ↓ -47% |
| Centivo | Self-Funded | $1,675.54 | ↓ -42% |
| Hue Health, Inc | Medicare Advantage | $1,780.26 | ↓ -38% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $1,944.69 | ↓ -33% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $2,759.80 | ↓ -4% |
| Coventry | Auto | $3,361.29 | ↑ +17% |
| United Healthcare | UHC Colorado Doctors Plan | $3,750.49 | ↑ +30% |
| United Healthcare | UHC Exchange | $4,694.01 | ↑ +63% |
| United Healthcare | Commercial | $4,694.01 | ↑ +63% |
| Coventry | Workers Comp | $4,717.60 | ↑ +64% |
| Medica | Commercial | $4,912.20 | ↑ +70% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $4,953.48 | ↑ +72% |
| Decent Health | Commercial | $5,012.45 | ↑ +74% |
| Apostrophe, Inc. | Commercial | $5,012.45 | ↑ +74% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $5,012.45 | ↑ +74% |
| Aetna | Commercial | $5,183.46 | ↑ +80% |
| Multiplan | Commercial | $5,543.18 | ↑ +92% |
| First Choice of the Midwest | Commercial | $5,602.15 | ↑ +94% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
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Hdr rdncl ntrstl/icav brchtx at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| AdventHealth Porter | Denver | $6,540.37 | $453.92 – $1,359.19 |
| CENTRAL PARK ER, A PART OF ROSE | DENVER | $8,810.00 | $253.76 – $1,425.35 |
| AdventHealth Littleton | Littleton | $6,540.37 | $453.92 – $1,359.19 |
| AdventHealth Avista | Louisville | $6,540.37 | $453.92 – $1,374.28 |
| AdventHealth Castle Rock | Castle Rock | $6,540.37 | $453.92 – $1,359.19 |
| AdventHealth Parker | Parker | $6,540.37 | $453.92 – $1,359.19 |
| HCA HealthONE AURORA | Aurora | not published | $253.76 – $1,679.88 |
| HCA HealthONE Rocky Mountain Children's at Presbyterian St. Luke's | Denver | not published | $253.76 – $2,145.30 |