In Banner Health v. Medical Savings Ins. Co. 216 Ariz. 146, 163 P.3d 1096 (App. 2007), the patients signed "conditions of admission" contracts with the hospital prior to admission agreeing to be responsible for their "bill" and to "pay their account." Id. at 151, P 17, 163 P.3d at 1101. The Court concluded that when the patients entered such agreements, they agreed to pay the hospital's billed charges in accordance with the hospital's filed rates, notwithstanding that the hospital often accepted less than the filed rate from insurance carriers and others in satisfaction of billed charges. Id. at P 18.