Kit case 4.2mm spinejack at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$5,090.12
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.
$13,720.00
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.
$3,526.04 with Banner Health vs $38,776.00 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 | $3,526.04 | ↓ -31% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $6,420.96 | ↑ +26% |
| Centivo | Self-Funded | $6,860.00 | ↑ +35% |
| Assist Health Group | AHG Specialty Network | $6,860.00 | ↑ +35% |
| United Healthcare | UHC Colorado Doctors Plan | $8,725.92 | ↑ +71% |
| Hue Health, Inc | Medicare Advantage | $9,604.00 | ↑ +89% |
| Aetna | Commercial | $9,872.00 | ↑ +94% |
| United Healthcare | UHC Exchange | $10,921.12 | ↑ +115% |
| Medica | Commercial | $11,428.76 | ↑ +125% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $11,524.80 | ↑ +126% |
| Decent Health | Commercial | $11,662.00 | ↑ +129% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $11,662.00 | ↑ +129% |
| Apostrophe, Inc. | Commercial | $11,662.00 | ↑ +129% |
| United Healthcare | Commercial | $12,128.48 | ↑ +138% |
| Multiplan | Commercial | $12,896.80 | ↑ +153% |
| First Choice of the Midwest | Commercial | $13,034.00 | ↑ +156% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $38,776.00 | ↑ +662% |
| Coventry | Auto | not published by hospital | — |
| Coventry | Workers Comp | not published by hospital | — |
Visitor-reported prices
Comments
Kit case 4.2mm spinejack at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| AdventHealth Porter | Denver | not published | $19,298.00 – $19,298.00 |
| AdventHealth Littleton | Littleton | not published | $19,298.00 – $19,298.00 |
| AdventHealth Avista | Louisville | not published | $19,298.00 – $19,298.00 |
| AdventHealth Castle Rock | Castle Rock | not published | $19,298.00 – $19,298.00 |
| AdventHealth Parker | Parker | not published | $19,298.00 – $19,298.00 |