CMS Price Transparency Data

Heart stent placement (inpatient stay)

Facility: Banner Estrella Medical Center

Billing Code: 322 (MS-DRG)

Factual Cost Summary (Answer Capsule)

CPT Billing Code: 322
Insurance Median: $17,284
Cash Discount Price: $23,740
vs. Medicare Baseline: 1.35x Medicare

The contracted insurance negotiated median rate for a Heart stent placement (inpatient stay) at Banner Estrella Medical Center is $17,284. If you are paying out-of-pocket or uninsured, the self-pay cash discount rate is $23,740. Compared to the federal Medicare reimbursement reference rate of $12,807.1, this hospital’s rate is 1.35x the Medicare baseline. Located in 9201 West Thomas Road, Phoenix, AZ.

Cash / Self-Pay

$23,740

Average discount available for prompt cash payment at this facility.

Insurance Median

$17,284

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: $23,740 (185%)

Insurance Median: $17,284 (135%)

Cash: $23,740 (185% of Medicare)

Ins. Median: $17,284 (135% 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	$15,712 - $45,847	123%
Arizona Physicians IPA	$15,712	123%
Banner Health	$15,712	123%
Banner University Health Plan	$15,712	123%
Blue Cross Blue Shield	$15,712 - $86,252	123%
Care 1St	$15,712	123%
Cigna	$15,712 - $54,755	123%
Gila River Health Care Corporation	$15,712	123%
Health Choice Arizona, Inc.	$15,712 - $23,569	123%
Health Net	$15,712 - $23,254	123%
Humana	$15,712 - $16,184	123%
Kaiser Foundation Health Plan	$15,712	123%
Mercy Care	$15,712	123%
Triwest Healthcare Alliance Corp - VA Ccn	$15,712	123%
UPMC Health Plan	$15,712	123%
UnitedHealthcare	$15,712 - $47,976	123%
Wellpoint	$15,712	123%
Carelon	$16,498	129%
Devoted Health Services	$16,498	129%
Arizona Priority Care	$17,284	135%
Gold Kidney Health Plan	$17,284	135%
Naphcare	$25,140	196%
Oscar Health Plan	$25,926	202%

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 $23,740.
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 Estrella Medical Center 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.