Vital capacity test at Banner North Colorado Medical Center - Loveland Campus
2000 Boise Avenue, Loveland, CO · Banner Health · · NPI 1720004450
$68.61
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.
$189.00
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.
$48.57 with Banner Health vs $377.86 with Centivo — 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 | $48.57 | ↓ -29% |
| United Healthcare | UnitedHealthcare Navigate/Colorado Doctors Plan Colorado Option | $88.45 | ↑ +29% |
| Coventry | Auto | $107.73 | ↑ +57% |
| United Healthcare | UHC Colorado Doctors Plan | $120.20 | ↑ +75% |
| Anthem Blue Cross Blue Shield Colorado | Priority/HMO/PPO/Indemnity | $121.02 | ↑ +76% |
| Hue Health, Inc | Medicare Advantage | $132.30 | ↑ +93% |
| United Healthcare | Commercial | $150.44 | ↑ +119% |
| United Healthcare | UHC Exchange | $150.44 | ↑ +119% |
| Coventry | Workers Comp | $151.20 | ↑ +120% |
| United Healthcare | UHC Medicare Advantage | $152.72 | ↑ +123% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $157.44 | ↑ +129% |
| Medicare | Traditional Medicare | $157.44 | ↑ +129% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $157.44 | ↑ +129% |
| Medica | Medicare Advantage | $157.44 | ↑ +129% |
| Medica | Commercial | $157.44 | ↑ +129% |
| Clear Spring Health | Medicare Advantage | $157.44 | ↑ +129% |
| Cigna Healthcare & Life Insurance Company – WY | HMO Benefit Plan/Network Benefit Plan/Open Access Plus Benefit Plan | $158.76 | ↑ +131% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $160.65 | ↑ +134% |
| Apostrophe, Inc. | Commercial | $160.65 | ↑ +134% |
| Decent Health | Commercial | $160.65 | ↑ +134% |
| Longevity | Medicare Advantage | $162.16 | ↑ +136% |
| Humana | Medicare Advantage | $162.16 | ↑ +136% |
| Devoted Health Services | Medicare Advantage | $165.31 | ↑ +141% |
| Aetna | Commercial | $166.13 | ↑ +142% |
| Multiplan | Commercial | $177.66 | ↑ +159% |
| First Choice of the Midwest | Commercial | $179.55 | ↑ +162% |
| Assist Health Group | AHG Specialty Network | $188.93 | ↑ +175% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $246.87 | ↑ +260% |
| Denver Health Medical Plan | Commercial | $281.41 | ↑ +310% |
| Centivo | Self-Funded | $377.86 | ↑ +451% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
Vital capacity test at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $56.70 | $77.49 – $377.38 |
| East Morgan County Hospital | Brush | $54.81 | $36.66 – $84.39 |
| AdventHealth Porter | Denver | $415.70 | $133.02 – $251.11 |
| CENTRAL PARK ER, A PART OF ROSE | DENVER | $712.00 | $240.36 – $250.48 |
| HCA HealthONE SKY RIDGE | Lone Tree | $217.80 | $240.36 – $250.48 |
| HCA HealthONE SOUTH PARKER ER, A PART OF SKY RIDGE | PARKER | $217.80 | $22.80 – $250.48 |
| HCA HealthONE MOUNTAIN RIDGE | Thornton | $491.50 | $240.36 – $250.48 |
| HCA HealthONE PRESBYTERIAN ST. LUKE'S REHABILITATION, A PART OF SPALDING REHABILITATION | Denver | $415.05 | $240.36 – $250.48 |