CMS Price Transparency Data

Heart stent placement (inpatient stay)

Facility: Banner - University Medical Center Phoenix

Billing Code: 322 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 322
Insurance Median: $19,842
Cash Discount Price: $28,999
vs. Medicare Baseline: 1.55x Medicare

The contracted insurance negotiated median rate for a Heart stent placement (inpatient stay) at Banner - University Medical Center Phoenix is $19,842. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $28,999. Compared to the federal Medicare reimbursement reference rate of $12,807.1, this hospital’s rate is 1.55x the Medicare baseline. Located in 1111 East McDowell Road, Phoenix, AZ.

Cash / Self-Pay

$28,999

Average discount available for prompt cash payment at this facility.

Insurance Median

$19,842

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$12,807.1

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $12,807.1 (100%)

Cash / Self-Pay: $28,999 (226%)

Insurance Median: $19,842 (155%)

Cash: $28,999 (226% of Medicare)

Ins. Median: $19,842 (155% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $12,807.1 as the cost baseline. Rates below the baseline represent excellent value. In-network commercial rates commonly hover around 150% - 250% of Medicare, while rates exceeding 300% are elevated. Hover over the green and blue markers to view detailed calculations.

Out-of-Pocket Cost Estimator

Estimate whether it is more economical to use your insurance or pay the upfront self-pay cash rate.

Billing Status

Remaining Deductible ($)

Your Coinsurance Rate (%)

Input your details and click calculate to compare out-of-pocket costs.

Commercial Insurance Negotiated Rates

Negotiated contract ranges established by major commercial carriers at this facility.

Carrier / Plan Group	Contract Rate Range	vs. Medicare Reference
Aetna	$17,716 - $45,847	138%
Arizona Physicians Ipa	$17,716	138%
Banner Health	$17,716	138%
Banner University Health Plan	$17,716	138%
Blue Cross Blue Shield	$17,716 - $92,556	138%
Care 1St	$17,716	138%
Gila River Health Care Corporation	$17,716	138%
Health Choice Arizona, Inc.	$17,716 - $26,574	138%
Health Net	$17,716 - $26,220	138%
Kaiser Foundation Health Plan	$17,716	138%
Mercy Care	$17,716	138%
Triwest Healthcare Alliance Corp - Va Ccn	$17,716	138%
UnitedHealthcare	$17,716 - $47,976	138%
Upmc Health Plan	$17,716	138%
Wellpoint	$17,716	138%
Humana	$18,248	142%
Carelon	$18,602	145%
Devoted Health Services	$18,602	145%
Arizona Priority Care	$19,488	152%
Gold Kidney Health Plan	$19,488	152%
Naphcare	$28,346	221%
Oscar Health Plan	$29,232	228%
Cigna	$49,281 - $54,755	385%

Self-Pay Upfront Cash Action Plan

Request a "Self-Pay classification" with the billing desk before receiving care.
Ask for a written "Prompt-Pay Discount" agreement quoting the price of $28,999.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify MS-DRG Code matches exactly: 322.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Banner - University Medical Center Phoenix is fully in-network.
Ask your insurer if "Prior Authorization" is required for MS-DRG code 322.
Confirm the specific physician or imaging center is also in-network (not just the hospital building).
Audit your Explanation of Benefits (EOB) against the final itemized hospital invoice.