Mayo factor v at Sterling Regional Medical Center
615 Fairhurst Street, Sterling, CO · Banner Health · · NPI 1942238555
$25.12
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.
$75.00
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.
$17.65 with Clear Spring Health vs $72.75 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 |
|---|---|---|---|
| Clear Spring Health | Medicare Advantage | $17.65 | ↓ -30% |
| United Healthcare | UHC Medicare Advantage | $17.65 | ↓ -30% |
| Longevity | Medicare Advantage | $18.18 | ↓ -28% |
| Humana | Medicare Advantage | $18.71 | ↓ -26% |
| Devoted Health Services | Medicare Advantage | $19.41 | ↓ -23% |
| Aetna | Medicare Advantage | $20.93 | ↓ -17% |
| HealthSpring Life & Health Insurance Company, Inc. | Medicare Advantage | $23.25 | ↓ -7% |
| Medicare | Traditional Medicare | $23.25 | ↓ -7% |
| Banner Health | Banner Choice Plus/Banner Select | $23.25 | ↓ -7% |
| Anthem Blue Cross Blue Shield Colorado | Medicare | $23.25 | ↓ -7% |
| Medica | Medicare Advantage | $23.25 | ↓ -7% |
| Pinnacol Assurance Workers Comp | Pinnacol Assurance WC | $27.68 | ↑ +10% |
| Assist Health Group | AHG Specialty Network | $27.90 | ↑ +11% |
| Anthem Blue Cross Blue Shield Colorado | Pathway Standard | $39.73 | ↑ +58% |
| United Healthcare | Colorado Navigate/Colorado Option | $43.50 | ↑ +73% |
| Denver Health Medical Plan | Commercial | $45.41 | ↑ +81% |
| Anthem Blue Cross Blue Shield Colorado | Pathway | $55.34 | ↑ +120% |
| Anthem Blue Cross Blue Shield Colorado | Blue Priority/HMO/PPO/Indemnity | $56.99 | ↑ +127% |
| Medica | Commercial | $62.48 | ↑ +149% |
| United Healthcare | Colorado Doctor's Plan | $63.98 | ↑ +155% |
| First Choice Health Network | Commercial | $67.50 | ↑ +169% |
| Apostrophe, Inc. | Commercial | $67.50 | ↑ +169% |
| Aetna | Commercial/Medical Rental | $69.75 | ↑ +178% |
| United Healthcare | Commercial | $71.10 | ↑ +183% |
| First Choice of the Midwest | Commercial | $71.25 | ↑ +184% |
| Rocky Mountain Health Plans | Private Plan/Self Insured Plan | $71.25 | ↑ +184% |
| Hue Health, Inc | Medicare Advantage | $71.25 | ↑ +184% |
| Multiplan | Commercial | $72.75 | ↑ +190% |
| Molina Healthcare | Medicaid/CHIP | not published by hospital | — |
Visitor-reported prices
Comments
Mayo factor v at other Colorado hospitals
| Hospital | City | Cash price | Negotiated range |
|---|---|---|---|
| Banner Fort Collins Medical Center | Fort Collins | $7.65 | $17.12 – $71.25 |
| Banner North Colorado Medical Center - Loveland Campus | Loveland | $40.61 | $17.12 – $71.25 |
| East Morgan County Hospital | Brush | $46.73 | $31.61 – $72.75 |
| AdventHealth Porter | Denver | $455.07 | $17.30 – $32.65 |
| HCA HealthONE BELMAR ER, A PART OF SWEDISH | LAKEWOOD | $326.49 | $10.32 – $42.89 |
| HCA HealthONE MOUNTAIN RIDGE | Thornton | $1,200.64 | $8.37 – $42.89 |
| HCA HealthONE PRESBYTERIAN ST. LUKE'S REHABILITATION, A PART OF SPALDING REHABILITATION | Denver | $841.15 | $17.47 – $18.53 |
| AdventHealth Littleton | Littleton | $455.07 | $17.30 – $32.65 |