Immunofixation electrophoresis serum at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$37.91
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.
$142.00
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.
$17.48 with Banner Health vs $64.60 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 |
|---|---|---|---|
| Banner Health | Banner Choice Plus/Banner Select | $17.48 | ↓ -54% |
| United Healthcare | UHC Medicare Advantage | $21.67 | ↓ -43% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $22.34 | ↓ -41% |
| Clear Spring Health | Medicare Advantage | $22.34 | ↓ -41% |
| Medica | Medicare Advantage | $22.34 | ↓ -41% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $22.34 | ↓ -41% |
| Medicare | Traditional Medicare | $22.34 | ↓ -41% |
| Humana | Medicare Advantage | $23.01 | ↓ -39% |
| Longevity | Medicare Advantage | $23.01 | ↓ -39% |
| Devoted Health Services | Medicare Advantage | $23.46 | ↓ -38% |
| Assist Health Group | AHG Specialty Network | $26.81 | ↓ -29% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $31.82 | ↓ -16% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $35.03 | ↓ -8% |
| Coventry | Auto | $38.76 | ↑ +2% |
| Denver Health Medical Plan | Commercial | $39.93 | ↑ +5% |
| United Healthcare | UHC Colorado Doctors Plan | $43.25 | ↑ +14% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $44.68 | ↑ +18% |
| Hue Health, Inc | Medicare Advantage | $47.60 | ↑ +26% |
| Centivo | Self-Funded | $53.62 | ↑ +41% |
| United Healthcare | Commercial | $54.13 | ↑ +43% |
| United Healthcare | UHC Exchange | $54.13 | ↑ +43% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $54.40 | ↑ +43% |
| Coventry | Workers Comp | $54.40 | ↑ +43% |
| Medica | Commercial | $56.64 | ↑ +49% |
| Decent Health | Commercial | $57.80 | ↑ +52% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $57.80 | ↑ +52% |
| Apostrophe, Inc. | Commercial | $57.80 | ↑ +52% |
| Aetna | Commercial | $59.77 | ↑ +58% |
| Multiplan | Commercial | $63.92 | ↑ +69% |
| First Choice of the Midwest | Commercial | $64.60 | ↑ +70% |
Visitor-reported prices
Comments
Immunofixation electrophoresis serum at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $26.27 | $21.67 – $64.60 |
| Sterling Regional Medical Center | Sterling | $57.79 | $18.97 – $65.96 |
| East Morgan County Hospital | Brush | $104.94 | $28.66 – $65.96 |
| AdventHealth Porter | Denver | $357.17 | $21.89 – $41.33 |
| HCA HealthONE AURORA | Aurora | $1,036.44 | $11.91 – $54.29 |
| HCA HealthONE BELMAR ER, A PART OF SWEDISH | LAKEWOOD | $804.87 | $13.07 – $54.29 |
| HCA HealthONE MOUNTAIN RIDGE | Thornton | $220.51 | $10.60 – $54.29 |
| HCA HealthONE PRESBYTERIAN ST. LUKE'S REHABILITATION, A PART OF SPALDING REHABILITATION | Denver | $244.60 | $22.12 – $23.46 |