CMS Price Transparency Data

Digestive disorders treatment (inpatient stay)

Facility: Banner Estrella Medical Center

Billing Code: 392 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 392
Insurance Median: $8,140
Cash Discount Price: $10,236
vs. Medicare Baseline: 1.43x Medicare

The contracted insurance negotiated median rate for a Digestive disorders treatment (inpatient stay) at Banner Estrella Medical Center is $8,140. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $10,236. Compared to the federal Medicare reimbursement reference rate of $5,675.87, this hospital’s rate is 1.43x the Medicare baseline. Located in 9201 West Thomas Road, Phoenix, AZ.

Cash / Self-Pay

$10,236

Average discount available for prompt cash payment at this facility.

Insurance Median

$8,140

Median negotiated contract rate across all mapped commercial carriers.

Medicare Reference Rate

$5,675.87

Standard federal government reimbursement rate for this code.

Visual Cost Comparison vs. Medicare

Medicare Reference Baseline: $5,675.87 (100%)

Cash / Self-Pay: $10,236 (180%)

Insurance Median: $8,140 (143%)

Cash: $10,236 (180% of Medicare)

Ins. Median: $8,140 (143% of Medicare)

Understanding this gauge: We use the federal Medicare rate of $5,675.87 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	$7,400 - $19,774	130%
Arizona Physicians Ipa	$7,400	130%
Banner Health	$7,400	130%
Banner University Health Plan	$7,400	130%
Blue Cross Blue Shield	$7,400 - $18,191	130%
Care 1St	$7,400	130%
Cigna	$7,400 - $23,616	130%
Gila River Health Care Corporation	$7,400	130%
Health Choice Arizona, Inc.	$7,400 - $11,100	130%
Health Net	$7,400 - $10,952	130%
Humana	$7,400 - $7,622	130%
Kaiser Foundation Health Plan	$7,400	130%
Mercy Care	$7,400	130%
Triwest Healthcare Alliance Corp - Va Ccn	$7,400	130%
UnitedHealthcare	$7,400 - $20,692	130%
Upmc Health Plan	$7,400	130%
Wellpoint	$7,400	130%
Carelon	$7,770	137%
Devoted Health Services	$7,770	137%
Arizona Priority Care	$8,140	143%
Gold Kidney Health Plan	$8,140	143%
Naphcare	$11,840	209%
Oscar Health Plan	$12,210	215%

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 $10,236.
Request and sign a "Waiver of Insurance Submission" to prevent automatic billing.
Verify MS-DRG Code matches exactly: 392.

Insurance In-Network Protection Plan

Contact your insurance company to confirm Banner Estrella Medical Center is fully in-network.
Ask your insurer if "Prior Authorization" is required for MS-DRG code 392.
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.