Observation direct referral from physician office for admission at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$322.42
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.
$654.00
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.
$306.07 with United Healthcare vs $2,510.00 with Banner Health — 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 | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $306.07 | ↓ -5% |
| Coventry | Auto | $372.78 | ↑ +16% |
| United Healthcare | UHC Colorado Doctors Plan | $415.94 | ↑ +29% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $418.76 | ↑ +30% |
| Hue Health, Inc | Medicare Advantage | $457.80 | ↑ +42% |
| United Healthcare | UHC Exchange | $520.58 | ↑ +61% |
| Coventry | Workers Comp | $523.20 | ↑ +62% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $549.36 | ↑ +70% |
| Decent Health | Commercial | $555.90 | ↑ +72% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $555.90 | ↑ +72% |
| Apostrophe, Inc. | Commercial | $555.90 | ↑ +72% |
| Aetna | Commercial | $574.87 | ↑ +78% |
| United Healthcare | Commercial | $578.14 | ↑ +79% |
| United Healthcare | UHC Medicare Advantage | $598.42 | ↑ +86% |
| Multiplan | Commercial | $614.76 | ↑ +91% |
| Medicare | Traditional Medicare | $616.93 | ↑ +91% |
| Medica | Medicare Advantage | $616.93 | ↑ +91% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $616.93 | ↑ +91% |
| Clear Spring Health | Medicare Advantage | $616.93 | ↑ +91% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $616.93 | ↑ +91% |
| First Choice of the Midwest | Commercial | $621.30 | ↑ +93% |
| Longevity | Medicare Advantage | $635.44 | ↑ +97% |
| Humana | Medicare Advantage | $635.44 | ↑ +97% |
| Devoted Health Services | Medicare Advantage | $647.78 | ↑ +101% |
| Assist Health Group | AHG Specialty Network | $740.32 | ↑ +130% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $967.35 | ↑ +200% |
| Denver Health Medical Plan | Commercial | $1,102.70 | ↑ +242% |
| Centivo | Self-Funded | $1,480.63 | ↑ +359% |
| Banner Health | Banner Choice Plus/Banner Select | $2,510.00 | ↑ +678% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
Observation direct referral from physician office for admission at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $202.74 | $351.85 – $5,346.00 |
| Sterling Regional Medical Center | Sterling | $683.43 | $182.47 – $677.76 |
| East Morgan County Hospital | Brush | $430.99 | $275.60 – $634.38 |
| AdventHealth Porter | Denver | $811.92 | $615.65 – $1,162.20 |
| AdventHealth Littleton | Littleton | $811.92 | $615.65 – $1,162.20 |
| AdventHealth Avista | Louisville | $811.92 | $622.48 – $1,175.10 |
| AdventHealth Castle Rock | Castle Rock | $811.92 | $615.65 – $1,162.20 |
| AdventHealth Parker | Parker | $811.92 | $615.65 – $1,162.20 |