Multiple sleep latency test at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$3,034.56
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.
$4,360.00
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.
$517.89 with United Healthcare vs $3,313.60 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 |
|---|---|---|---|
| United Healthcare | UHC Medicare Advantage | $517.89 | ↓ -83% |
| Medica | Medicare Advantage | $533.91 | ↓ -82% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $533.91 | ↓ -82% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $533.91 | ↓ -82% |
| Medicare | Traditional Medicare | $533.91 | ↓ -82% |
| Clear Spring Health | Medicare Advantage | $533.91 | ↓ -82% |
| Humana | Medicare Advantage | $549.93 | ↓ -82% |
| Longevity | Medicare Advantage | $549.93 | ↓ -82% |
| Devoted Health Services | Medicare Advantage | $560.61 | ↓ -82% |
| Assist Health Group | AHG Specialty Network | $640.69 | ↓ -79% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $837.17 | ↓ -72% |
| Banner Health | Banner Choice Plus/Banner Select | $896.42 | ↓ -70% |
| Denver Health Medical Plan | Commercial | $954.31 | ↓ -69% |
| Centivo | Self-Funded | $1,281.38 | ↓ -58% |
| Hue Health, Inc | Medicare Advantage | $1,361.47 | ↓ -55% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $1,632.38 | ↓ -46% |
| Coventry | Auto | $1,988.16 | ↓ -34% |
| United Healthcare | UHC Colorado Doctors Plan | $2,218.37 | ↓ -27% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $2,233.37 | ↓ -26% |
| United Healthcare | UHC Exchange | $2,776.45 | ↓ -9% |
| Coventry | Workers Comp | $2,790.40 | ↓ -8% |
| Medica | Commercial | $2,905.50 | ↓ -4% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $2,929.92 | ↓ -3% |
| Apostrophe, Inc. | Commercial | $2,964.80 | ↓ -2% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $2,964.80 | ↓ -2% |
| Decent Health | Commercial | $2,964.80 | ↓ -2% |
| Aetna | Commercial | $3,065.95 | ↑ +1% |
| United Healthcare | Commercial | $3,083.39 | ↑ +2% |
| Multiplan | Commercial | $3,278.72 | ↑ +8% |
| First Choice of the Midwest | Commercial | $3,313.60 | ↑ +9% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
Multiple sleep latency test at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sterling Regional Medical Center | Sterling | $2,602.05 | $533.24 – $3,383.36 |
| AdventHealth Porter | Denver | $7,221.14 | $704.47 – $1,675.86 |
| HCA HealthONE AURORA | Aurora | $13,021.16 | $824.75 – $859.48 |
| CENTRAL PARK ER, A PART OF ROSE | DENVER | $4,667.00 | $824.75 – $859.48 |
| HCA HealthONE Rocky Mountain Children's at Presbyterian St. Luke's | Denver | $6,213.00 | $824.75 – $859.48 |
| HCA HealthONE SKY RIDGE | Lone Tree | $16,364.15 | $824.75 – $859.48 |
| HCA HealthONE SOUTH PARKER ER, A PART OF SKY RIDGE | PARKER | $16,364.15 | $383.80 – $859.48 |
| HCA HealthONE BELMAR ER, A PART OF SWEDISH | LAKEWOOD | $12,440.50 | $824.75 – $859.48 |