Mayo factor v at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$40.61
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.
$144.00
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.
$17.12 with United Healthcare vs $71.25 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 | $17.12 | ↓ -58% |
| Medicare | Traditional Medicare | $17.65 | ↓ -57% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $17.65 | ↓ -57% |
| Medica | Medicare Advantage | $17.65 | ↓ -57% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $17.65 | ↓ -57% |
| Clear Spring Health | Medicare Advantage | $17.65 | ↓ -57% |
| Longevity | Medicare Advantage | $18.18 | ↓ -55% |
| Humana | Medicare Advantage | $18.18 | ↓ -55% |
| Devoted Health Services | Medicare Advantage | $18.53 | ↓ -54% |
| Banner Health | Banner Choice Plus/Banner Select | $19.27 | ↓ -53% |
| Assist Health Group | AHG Specialty Network | $21.18 | ↓ -48% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $27.68 | ↓ -32% |
| Denver Health Medical Plan | Commercial | $31.55 | ↓ -22% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $35.10 | ↓ -14% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $35.30 | ↓ -13% |
| Centivo | Self-Funded | $42.36 | ↑ +4% |
| Coventry | Auto | $42.75 | ↑ +5% |
| Hue Health, Inc | Medicare Advantage | $45.01 | ↑ +11% |
| United Healthcare | UHC Colorado Doctors Plan | $47.70 | ↑ +17% |
| United Healthcare | UHC Exchange | $59.70 | ↑ +47% |
| United Healthcare | Commercial | $59.70 | ↑ +47% |
| Coventry | Workers Comp | $60.00 | ↑ +48% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $60.00 | ↑ +48% |
| Medica | Commercial | $62.48 | ↑ +54% |
| Apostrophe, Inc. | Commercial | $63.75 | ↑ +57% |
| Decent Health | Commercial | $63.75 | ↑ +57% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $63.75 | ↑ +57% |
| Aetna | Commercial | $65.92 | ↑ +62% |
| Multiplan | Commercial | $70.50 | ↑ +74% |
| First Choice of the Midwest | Commercial | $71.25 | ↑ +75% |
Visitor-reported prices
Comments
Mayo factor v at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $7.65 | $17.12 – $71.25 |
| Sterling Regional Medical Center | Sterling | $25.12 | $17.65 – $72.75 |
| East Morgan County Hospital | Brush | $46.73 | $31.61 – $72.75 |
| AdventHealth Porter | Denver | $455.07 | $17.30 – $32.65 |
| HCA HealthONE BELMAR ER, A PART OF SWEDISH | LAKEWOOD | $326.49 | $10.32 – $42.89 |
| HCA HealthONE MOUNTAIN RIDGE | Thornton | $1,200.64 | $8.37 – $42.89 |
| HCA HealthONE PRESBYTERIAN ST. LUKE'S REHABILITATION, A PART OF SPALDING REHABILITATION | Denver | $841.15 | $17.47 – $18.53 |
| AdventHealth Littleton | Littleton | $455.07 | $17.30 – $32.65 |