#cf-97variants at Sterling Regional Medical Center
615 Fairhurst Street, Sterling, CO · Banner Health · · NPI 1942238555
$514.36
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.
$1,670.00
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.
$465.93 with Aetna vs $1,619.90 with Multiplan — 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 |
|---|---|---|---|
| Aetna | Medicare Advantage | $465.93 | ↓ -9% |
| Banner Health | Banner Choice Plus/Banner Select | $517.70 | ↑ +1% |
| Medicare | Traditional Medicare | $517.70 | ↑ +1% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $517.70 | ↑ +1% |
| Medica | Medicare Advantage | $517.70 | ↑ +1% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $517.70 | ↑ +1% |
| United Healthcare | UHC Medicare Advantage | $556.60 | ↑ +8% |
| Clear Spring Health | Medicare Advantage | $556.60 | ↑ +8% |
| Longevity | Medicare Advantage | $573.30 | ↑ +11% |
| Humana | Medicare Advantage | $590.00 | ↑ +15% |
| Devoted Health Services | Medicare Advantage | $612.26 | ↑ +19% |
| Assist Health Group | AHG Specialty Network | $621.24 | ↑ +21% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $811.79 | ↑ +58% |
| Anthem Blue Cross Blue Shield Colorado | Pathway Standard | $884.60 | ↑ +72% |
| United Healthcare | Colorado Navigate/Colorado Option | $968.60 | ↑ +88% |
| Denver Health Medical Plan | Commercial | $1,011.18 | ↑ +97% |
| Anthem Blue Cross Blue Shield Colorado | Pathway | $1,232.13 | ↑ +140% |
| Anthem Blue Cross Blue Shield Colorado | Blue Priority/HMO/PPO/Indemnity | $1,269.03 | ↑ +147% |
| Medica | Commercial | $1,391.11 | ↑ +170% |
| United Healthcare | Colorado Doctor's Plan | $1,424.51 | ↑ +177% |
| Apostrophe, Inc. | Commercial | $1,503.00 | ↑ +192% |
| First Choice Health Network | Commercial | $1,503.00 | ↑ +192% |
| Aetna | Commercial/Medical Rental | $1,553.10 | ↑ +202% |
| United Healthcare | Commercial | $1,583.16 | ↑ +208% |
| First Choice of the Midwest | Commercial | $1,586.50 | ↑ +208% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $1,586.50 | ↑ +208% |
| Hue Health, Inc | Medicare Advantage | $1,586.50 | ↑ +208% |
| Multiplan | Commercial | $1,619.90 | ↑ +215% |
| Molina Healthcare | Medicaid/CHIP | not published by hospital | — |
Visitor-reported prices
Comments
#cf-97variants at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $232.13 | $539.90 – $1,586.50 |
| Banner North Colorado Medical Center - Loveland Campus | Loveland | $721.44 | $429.19 – $1,586.50 |
| East Morgan County Hospital | Brush | $1,055.44 | $703.74 – $1,619.90 |
| AdventHealth Porter | Denver | $921.19 | $545.47 – $1,029.71 |
| CENTRAL PARK ER, A PART OF ROSE | DENVER | $1,142.00 | $253.25 – $1,352.54 |
| HCA HealthONE SKY RIDGE | Lone Tree | $565.83 | $318.38 – $1,352.54 |
| HCA HealthONE SOUTH PARKER ER, A PART OF SKY RIDGE | PARKER | $565.83 | $109.54 – $1,352.54 |
| HCA HealthONE MOUNTAIN RIDGE | Thornton | $2,853.11 | $264.11 – $1,352.54 |