Sleep study attended at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$1,223.11
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.
$2,712.00
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 $2,060.55 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 | ↓ -58% |
| Medica | Medicare Advantage | $533.91 | ↓ -56% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $533.91 | ↓ -56% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $533.91 | ↓ -56% |
| Medicare | Traditional Medicare | $533.91 | ↓ -56% |
| Clear Spring Health | Medicare Advantage | $533.91 | ↓ -56% |
| Humana | Medicare Advantage | $549.93 | ↓ -55% |
| Longevity | Medicare Advantage | $549.93 | ↓ -55% |
| Banner Health | Banner Choice Plus/Banner Select | $557.43 | ↓ -54% |
| Devoted Health Services | Medicare Advantage | $560.61 | ↓ -54% |
| Assist Health Group | AHG Specialty Network | $640.69 | ↓ -48% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $837.17 | ↓ -32% |
| Denver Health Medical Plan | Commercial | $954.31 | ↓ -22% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $1,015.09 | ↓ -17% |
| Centivo | Self-Funded | $1,084.50 | ↓ -11% |
| Coventry | Auto | $1,236.33 | ↑ +1% |
| Hue Health, Inc | Medicare Advantage | $1,361.47 | ↑ +11% |
| United Healthcare | UHC Colorado Doctors Plan | $1,379.48 | ↑ +13% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $1,388.81 | ↑ +14% |
| United Healthcare | UHC Exchange | $1,726.52 | ↑ +41% |
| Coventry | Workers Comp | $1,735.20 | ↑ +42% |
| Medica | Commercial | $1,806.78 | ↑ +48% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $1,821.96 | ↑ +49% |
| Apostrophe, Inc. | Commercial | $1,843.65 | ↑ +51% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $1,843.65 | ↑ +51% |
| Decent Health | Commercial | $1,843.65 | ↑ +51% |
| Aetna | Commercial | $1,906.55 | ↑ +56% |
| United Healthcare | Commercial | $1,917.40 | ↑ +57% |
| Multiplan | Commercial | $2,038.86 | ↑ +67% |
| First Choice of the Midwest | Commercial | $2,060.55 | ↑ +68% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
Sleep study attended at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| HCA HealthONE Rocky Mountain Children's at Presbyterian St. Luke's | Denver | $6,213.00 | $824.75 – $859.48 |
| AdventHealth Porter | Denver | not published | $385.77 – $728.23 |
| HCA HealthONE AURORA | Aurora | not published | $824.75 – $859.48 |
| CENTRAL PARK ER, A PART OF ROSE | DENVER | not published | $824.75 – $859.48 |
| HCA HealthONE SKY RIDGE | Lone Tree | not published | $824.75 – $859.48 |
| HCA HealthONE SOUTH PARKER ER, A PART OF SKY RIDGE | PARKER | not published | $372.40 – $859.48 |
| HCA HealthONE BELMAR ER, A PART OF SWEDISH | LAKEWOOD | not published | $824.75 – $859.48 |
| HCA HealthONE MOUNTAIN RIDGE | Thornton | not published | $824.75 – $859.48 |