Nasopharyngoscopy w/endoscope at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$155.11
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.
$347.00
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.
$89.18 with Banner Health vs $8,568.00 with Aetna — 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 | $89.18 | ↓ -43% |
| United Healthcare | UHC Medicare Advantage | $189.49 | ↑ +22% |
| Clear Spring Health | Medicare Advantage | $195.35 | ↑ +26% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $195.35 | ↑ +26% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $195.35 | ↑ +26% |
| Medicare | Traditional Medicare | $195.35 | ↑ +26% |
| Medica | Medicare Advantage | $195.35 | ↑ +26% |
| Coventry | Auto | $197.79 | ↑ +28% |
| Humana | Medicare Advantage | $201.21 | ↑ +30% |
| Longevity | Medicare Advantage | $201.21 | ↑ +30% |
| Devoted Health Services | Medicare Advantage | $205.12 | ↑ +32% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $207.07 | ↑ +33% |
| Assist Health Group | AHG Specialty Network | $234.42 | ↑ +51% |
| Hue Health, Inc | Medicare Advantage | $242.90 | ↑ +57% |
| Coventry | Workers Comp | $277.60 | ↑ +79% |
| Medica | Commercial | $289.05 | ↑ +86% |
| Decent Health | Commercial | $294.95 | ↑ +90% |
| Apostrophe, Inc. | Commercial | $294.95 | ↑ +90% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $294.95 | ↑ +90% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $294.95 | ↑ +90% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $306.31 | ↑ +97% |
| Multiplan | Commercial | $326.18 | ↑ +110% |
| First Choice of the Midwest | Commercial | $329.65 | ↑ +113% |
| Denver Health Medical Plan | Commercial | $349.17 | ↑ +125% |
| Centivo | Self-Funded | $468.84 | ↑ +202% |
| Aetna | Commercial | $8,568.00 | ↑ +5424% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
Nasopharyngoscopy w/endoscope at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Sterling Regional Medical Center | Sterling | $124.82 | $81.75 – $284.21 |
| HCA HealthONE AURORA | Aurora | $760.19 | $304.80 – $317.63 |
| CENTRAL PARK ER, A PART OF ROSE | DENVER | $1,068.00 | $304.80 – $317.63 |
| HCA HealthONE Rocky Mountain Children's at Presbyterian St. Luke's | Denver | $717.25 | $304.80 – $317.63 |
| HCA HealthONE SKY RIDGE | Lone Tree | $1,693.00 | $304.80 – $317.63 |
| HCA HealthONE SOUTH PARKER ER, A PART OF SKY RIDGE | PARKER | $1,693.00 | $76.95 – $317.63 |
| HCA HealthONE BELMAR ER, A PART OF SWEDISH | LAKEWOOD | $1,777.22 | $304.80 – $317.63 |
| HCA HealthONE MOUNTAIN RIDGE | Thornton | not published | $304.80 – $317.63 |