healthcosts.net
Lower Back (Lumbar Spine) MRI (with and without contrast) at Banner Churchill Community Hospital
801 East Williams Avenue, Fallon, NV · Banner Health · · NPI 1265811251
$2,926.43
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.
$5,532.00
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.
$1,438.32 with Aetna vs $5,310.72 with Coventry — 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 | Commercial | $1,438.32 | ↓ -51% |
| Banner Health | Banner Choice Plus/Banner Select | $1,770.24 | ↓ -40% |
| Hometown Health | Seniorcare | $1,770.24 | ↓ -40% |
| Optum | Medicare | $1,770.24 | ↓ -40% |
| SilverSummit Healthplan | Medicare Advantage | $1,770.24 | ↓ -40% |
| TriWest Healthcare Alliance Corp - VA CCN | Tricare | $1,770.24 | ↓ -40% |
| Humana | Medicare Advantage | $1,876.45 | ↓ -36% |
| Hometown Health | HMO | $4,978.80 | ↑ +70% |
| Hometown Health | PPO/EPO | $4,978.80 | ↑ +70% |
| Nevada Preferred Healthcare Providers | commerical | $4,978.80 | ↑ +70% |
| SilverSummit Healthplan | Commercial Exchange | $4,978.80 | ↑ +70% |
| United Healthcare | Commercial | $4,978.80 | ↑ +70% |
| Anthem Blue Cross Blue Shield Colorado | HMO/Indemnity/PPO/Pathway/Pathway X | $5,089.44 | ↑ +74% |
| Aetna | Medical Rental Products | $5,200.08 | ↑ +78% |
| Multiplan | Commercial | $5,200.08 | ↑ +78% |
| Cigna Healthcare & Life Insurance Company – WY | Commercial | $5,222.21 | ↑ +78% |
| Hometown Health | Lease Networks | $5,255.40 | ↑ +80% |
| Coventry | Commercial | $5,310.72 | ↑ +81% |
| Coventry | Workers Comp | $5,310.72 | ↑ +81% |