So neo gsap dna mcrstl ins at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$1,162.51
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.
$2,691.00
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.
$705.04 with Banner Health vs $3,004.51 with Kaiser CPMG (Colorado Permanente Medical Group) — 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 | $705.04 | ↓ -39% |
| United Healthcare | UHC Medicare Advantage | $869.96 | ↓ -25% |
| Aetna | Medicare Advantage | $896.87 | ↓ -23% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $896.87 | ↓ -23% |
| Medica | Medicare Advantage | $896.87 | ↓ -23% |
| Kaiser CPMG (Colorado Permanente Medical Group) | Medicare PPO | $914.81 | ↓ -21% |
| Humana | Medicare Advantage | $923.78 | ↓ -21% |
| Longevity | Medicare Advantage | $923.78 | ↓ -21% |
| Devoted Health Services | Medicare Advantage | $941.71 | ↓ -19% |
| Cigna HealthSpring | Medicare Advantage | $968.62 | ↓ -17% |
| Assist Health Group | AHG Specialty Network | $1,076.24 | ↓ -7% |
| Cigna Healthcare of Colorado,Inc | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $1,165.94 | ↑ +0% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $1,181.35 | ↑ +2% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $1,406.29 | ↑ +21% |
| Denver Health Medical Plan | Commercial | $1,601.54 | ↑ +38% |
| United Healthcare | UHC Colorado Doctors Plan | $1,619.98 | ↑ +39% |
| Aetna | Aetna Whole Health | $1,649.58 | ↑ +42% |
| Kaiser CPMG (Colorado Permanente Medical Group) | Public Option | $1,760.56 | ↑ +51% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $1,793.74 | ↑ +54% |
| United Healthcare | UHC Exchange | $2,012.87 | ↑ +73% |
| Medica | Commercial | $2,209.31 | ↑ +90% |
| United Healthcare | Commercial | $2,236.22 | ↑ +92% |
| Centivo | Self-Funded | $2,242.18 | ↑ +93% |
| Aetna | Commercial | $2,249.68 | ↑ +94% |
| Aetna | Medical Rental | $2,273.89 | ↑ +96% |
| Hue Health, Inc | Commercial | $2,287.02 | ↑ +97% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $2,287.35 | ↑ +97% |
| Decent Health | Commercial | $2,355.97 | ↑ +103% |
| First Choice Health Network | Commercial | $2,397.68 | ↑ +106% |
| Multiplan | Commercial | $2,494.56 | ↑ +115% |
| Kaiser CPMG (Colorado Permanente Medical Group) | Commercial | $2,556.08 | ↑ +120% |
| First Choice of the Midwest | Commercial | $2,556.45 | ↑ +120% |
| Kaiser CPMG (Colorado Permanente Medical Group) | PPO | $3,004.51 | ↑ +158% |
Visitor-reported prices
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So neo gsap dna mcrstl ins at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| AdventHealth Porter | Denver | not published | $878.93 – $1,659.21 |
| HCA HealthONE SKY RIDGE | Lone Tree | not published | $887.90 – $2,206.30 |
| HCA HealthONE SOUTH PARKER ER, A PART OF SKY RIDGE | PARKER | not published | $109.54 – $2,206.30 |
| HCA HealthONE MOUNTAIN RIDGE | Thornton | not published | $887.90 – $2,053.83 |
| HCA HealthONE PRESBYTERIAN ST. LUKE'S REHABILITATION, A PART OF SPALDING REHABILITATION | Denver | not published | $887.90 – $941.71 |
| AdventHealth Littleton | Littleton | not published | $878.93 – $1,659.21 |
| AdventHealth Avista | Louisville | not published | $878.93 – $1,659.21 |
| AdventHealth Castle Rock | Castle Rock | not published | $878.93 – $1,659.21 |