ER Visit (level 4) at Sterling Regional Medical Center
615 Fairhurst Street, Sterling, CO · Banner Health · · NPI 1942238555
$1,435.49
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.
?
What you pay up front if you don't use insurance.
$1,005.00
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.
?
The hospital's undiscounted list price — almost no one pays this.
$280.39 with Aetna vs $974.85 with Multiplan — same scan, same building. Share
Negotiated rates by payer
?
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 →
?
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 | $280.39 | ↓ -80% |
| Banner Health | Banner Choice Plus/Banner Select | $311.55 | ↓ -78% |
| Medicare | Traditional Medicare | $311.55 | ↓ -78% |
| Medica | Medicare Advantage | $311.55 | ↓ -78% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $311.55 | ↓ -78% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $311.55 | ↓ -78% |
| Assist Health Group | AHG Specialty Network | $373.86 | ↓ -74% |
| Clear Spring Health | Medicare Advantage | $427.94 | ↓ -70% |
| United Healthcare | UHC Medicare Advantage | $427.94 | ↓ -70% |
| Longevity | Medicare Advantage | $440.78 | ↓ -69% |
| Humana | Medicare Advantage | $453.62 | ↓ -68% |
| Devoted Health Services | Medicare Advantage | $470.73 | ↓ -67% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $488.53 | ↓ -66% |
| Anthem Blue Cross Blue Shield Colorado | Pathway Standard | $532.35 | ↓ -63% |
| United Healthcare | Colorado Navigate/Colorado Option | $582.90 | ↓ -59% |
| Denver Health Medical Plan | Commercial | $608.53 | ↓ -58% |
| Anthem Blue Cross Blue Shield Colorado | Pathway | $741.49 | ↓ -48% |
| Anthem Blue Cross Blue Shield Colorado | Blue Priority/HMO/PPO/Indemnity | $763.70 | ↓ -47% |
| Medica | Commercial | $837.16 | ↓ -42% |
| United Healthcare | Colorado Doctor's Plan | $857.26 | ↓ -40% |
| Apostrophe, Inc. | Commercial | $904.50 | ↓ -37% |
| First Choice Health Network | Commercial | $904.50 | ↓ -37% |
| Aetna | Commercial/Medical Rental | $934.65 | ↓ -35% |
| United Healthcare | Commercial | $952.74 | ↓ -34% |
| First Choice of the Midwest | Commercial | $954.75 | ↓ -33% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $954.75 | ↓ -33% |
| Hue Health, Inc | Medicare Advantage | $954.75 | ↓ -33% |
| Multiplan | Commercial | $974.85 | ↓ -32% |
| Molina Healthcare | Medicaid/CHIP | not published by hospital | — |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | not published by hospital | — |
Visitor-reported prices
Comments
ER Visit (level 4) at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $2,127.47 | $415.10 – $4,750.00 |
| Banner North Colorado Medical Center - Loveland Campus | Loveland | $1,698.91 | $415.63 – $4,750.00 |
| East Morgan County Hospital | Brush | $1,665.19 | $226.29 – $520.89 |
| AdventHealth Porter | Denver | $8,147.60 | $210.42 – $814.30 |
| HCA HealthONE PRESBYTERIAN ST. LUKE'S REHABILITATION, A PART OF SPALDING REHABILITATION | Denver | $7,833.18 | $681.53 – $710.23 |
| AdventHealth Littleton | Littleton | $8,147.60 | $210.42 – $814.30 |
| AdventHealth Avista | Louisville | $8,147.60 | $210.42 – $823.34 |
| AdventHealth Castle Rock | Castle Rock | $8,147.60 | $210.42 – $814.30 |