healthcosts.net
Sphincteroplasty inc/prolapse adult 46750 at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$2,492.47
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.
$5,576.00
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.
$1,433.03 with Banner Health vs $22,491.00 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 | $1,433.03 | ↓ -43% |
| United Healthcare | UHC Medicare Advantage | $2,676.72 | ↑ +7% |
| Medicare | Traditional Medicare | $2,759.50 | ↑ +11% |
| Medica | Medicare Advantage | $2,759.50 | ↑ +11% |
| Clear Spring Health | Medicare Advantage | $2,759.50 | ↑ +11% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $2,759.50 | ↑ +11% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $2,759.50 | ↑ +11% |
| Humana | Medicare Advantage | $2,842.28 | ↑ +14% |
| Longevity | Medicare Advantage | $2,842.28 | ↑ +14% |
| Devoted Health Services | Medicare Advantage | $2,897.47 | ↑ +16% |
| Coventry | Auto | $3,178.32 | ↑ +28% |
| Assist Health Group | AHG Specialty Network | $3,311.40 | ↑ +33% |
| Hue Health, Inc | Medicare Advantage | $3,903.20 | ↑ +57% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $4,326.90 | ↑ +74% |
| Coventry | Workers Comp | $4,460.80 | ↑ +79% |
| Medica | Commercial | $4,644.81 | ↑ +86% |
| Apostrophe, Inc. | Commercial | $4,739.60 | ↑ +90% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $4,739.60 | ↑ +90% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $4,739.60 | ↑ +90% |
| Decent Health | Commercial | $4,739.60 | ↑ +90% |
| Denver Health Medical Plan | Commercial | $4,932.33 | ↑ +98% |
| Multiplan | Commercial | $5,241.44 | ↑ +110% |
| First Choice of the Midwest | Commercial | $5,297.20 | ↑ +113% |
| Centivo | Self-Funded | $6,622.80 | ↑ +166% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $7,984.00 | ↑ +220% |
| Aetna | Commercial | $22,491.00 | ↑ +802% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |