healthcosts.net
Urine Culture Test at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$6.98
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.
$25.00
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.
$6.42 with Banner Health vs $23.75 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 |
|---|---|---|---|
| Banner Health | Banner Choice Plus/Banner Select | $6.42 | ↓ -8% |
| United Healthcare | UHC Medicare Advantage | $7.83 | ↑ +12% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $8.07 | ↑ +16% |
| Clear Spring Health | Medicare Advantage | $8.07 | ↑ +16% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $8.07 | ↑ +16% |
| Medica | Medicare Advantage | $8.07 | ↑ +16% |
| Medicare | Traditional Medicare | $8.07 | ↑ +16% |
| Humana | Medicare Advantage | $8.31 | ↑ +19% |
| Longevity | Medicare Advantage | $8.31 | ↑ +19% |
| Devoted Health Services | Medicare Advantage | $8.47 | ↑ +21% |
| Assist Health Group | AHG Specialty Network | $9.68 | ↑ +39% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $11.70 | ↑ +68% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $12.65 | ↑ +81% |
| Coventry | Auto | $14.25 | ↑ +104% |
| Denver Health Medical Plan | Commercial | $14.42 | ↑ +107% |
| United Healthcare | UHC Colorado Doctors Plan | $15.90 | ↑ +128% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $16.14 | ↑ +131% |
| Hue Health, Inc | Medicare Advantage | $17.50 | ↑ +151% |
| Centivo | Self-Funded | $19.37 | ↑ +178% |
| United Healthcare | Commercial | $19.90 | ↑ +185% |
| United Healthcare | UHC Exchange | $19.90 | ↑ +185% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $20.00 | ↑ +187% |
| Coventry | Workers Comp | $20.00 | ↑ +187% |
| Medica | Commercial | $20.82 | ↑ +198% |
| Apostrophe, Inc. | Commercial | $21.25 | ↑ +204% |
| Decent Health | Commercial | $21.25 | ↑ +204% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $21.25 | ↑ +204% |
| Aetna | Commercial | $21.98 | ↑ +215% |
| Multiplan | Commercial | $23.50 | ↑ +237% |
| First Choice of the Midwest | Commercial | $23.75 | ↑ +240% |
Visitor-reported prices
Comments
Urine Culture Test at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $3.62 | $7.83 – $23.75 |
| Sterling Regional Medical Center | Sterling | $10.75 | $6.97 – $24.25 |
| East Morgan County Hospital | Brush | $16.70 | $10.54 – $24.25 |